# EDGAR Filing Document

**Accession Number:** 0001781495
**File Stem:** 0001104659-25-072640
**Filing Date:** 2025-7
**Character Count:** 4526947
**Document Hash:** 526536205a475b1de4de06b9f611adbd
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-25-072640.hdr.sgml**: 20250731

**ACCESSION NUMBER**: 0001104659-25-072640

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

**PUBLIC DOCUMENT COUNT**: 46

**CONFORMED PERIOD OF REPORT**: 20250731

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

**FILED AS OF DATE**: 20250731

**DATE AS OF CHANGE**: 20250731

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** VMC Asset Depositor, LLC
- **CENTRAL INDEX KEY:** 0001781495

**ORGANIZATION NAME:**
- **EIN:** 842208933
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-04604
- **FILM NUMBER:** 251171207

**BUSINESS ADDRESS:**
- **STREET 1:** 2001 M STREET NW
- **STREET 2:** SUITE 300
- **CITY:** WASHINGTON
- **STATE:** DC
- **ZIP:** 20036
- **BUSINESS PHONE:** (202) 534-1815

**MAIL ADDRESS:**
- **STREET 1:** 2001 M STREET NW
- **STREET 2:** SUITE 300
- **CITY:** WASHINGTON
- **STATE:** DC
- **ZIP:** 20036
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** VMC Asset Depositor, LLC
- **CENTRAL INDEX KEY:** 0001781495

**ORGANIZATION NAME:**
- **EIN:** 842208933
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 2001 M STREET NW
- **STREET 2:** SUITE 300
- **CITY:** WASHINGTON
- **STATE:** DC
- **ZIP:** 20036
- **BUSINESS PHONE:** (202) 534-1815

**MAIL ADDRESS:**
- **STREET 1:** 2001 M STREET NW
- **STREET 2:** SUITE 300
- **CITY:** WASHINGTON
- **STATE:** DC
- **ZIP:** 20036
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** VMC Asset Depositor, LLC
- **CENTRAL INDEX KEY:** 0001781495

**ORGANIZATION NAME:**
- **EIN:** 842208933
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-04604

**BUSINESS ADDRESS:**
- **STREET 1:** 2001 M STREET NW
- **STREET 2:** SUITE 300
- **CITY:** WASHINGTON
- **STATE:** DC
- **ZIP:** 20036
- **BUSINESS PHONE:** (202) 534-1815

**MAIL ADDRESS:**
- **STREET 1:** 2001 M STREET NW
- **STREET 2:** SUITE 300
- **CITY:** WASHINGTON
- **STATE:** DC
- **ZIP:** 20036

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER**

**REPORT PURSUANT TO SECTION 15G OF**

**THE SECURITIES EXCHANGE ACT OF 1934**

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

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

<u> </u> to<u> </u>

Date of Report (Date of earliest event reported)<u> </u>

Commission File Number of securitizer:<u> </u>

Central Index Key Number of securitizer:<u> </u>

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

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

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

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

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

Central Index Key Number of depositor: 0001781495

&nbsp;&nbsp;**Verus Securitization Trust 2025-7**

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

Central Index Key Number of issuing entity (if applicable): Not applicable

Central Index Key Number of underwriter (if applicable): Not applicable

---

| |
|:---|
| Robert Konigsberg |
| (202) 534-1815 |
| Name and telephone number, including area code, of the person to |
| contact in connection with this filing |

---

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

**Item 1.01 Initial Filing of Rule 15Ga-1 Representations and Warranties Disclosure**

N/A

**Item 1.02 Periodic Filing of Rule 15Ga-1 Representations and Warranties Disclosure**

N/A

**Item 1.03 Notice of Termination of Duty to File Reports under Rule 15Ga-1**

N/A

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

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

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

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

N/A

**EXHIBIT INDEX**

[99.1](tm2521783d1_ex99-1.htm) [AMC Diligence, LLC ("AMC") Due Diligence Executive Summary](tm2521783d1_ex99-1.htm)

[99.2](tm2521783d1_ex99-2.htm) [AMC Data Compare Report](tm2521783d1_ex99-2.htm)

[99.3](tm2521783d1_ex99-3.htm) [AMC Exception Grades](tm2521783d1_ex99-3.htm)

[99.4](tm2521783d1_ex99-4.htm) [AMC Rating Agency Grades](tm2521783d1_ex99-4.htm)

[99.5](tm2521783d1_ex99-5.htm) [AMC QM-ATR Diligence Report](tm2521783d1_ex99-5.htm)

[99.6](tm2521783d1_ex99-6.htm) [AMC Valuation Report](tm2521783d1_ex99-6.htm)

[99.7](tm2521783d1_ex99-7.htm) [AMC Supplemental Data](tm2521783d1_ex99-7.htm)

[99.8](tm2521783d1_ex99-8.htm) [AMC Tax and Title Report](tm2521783d1_ex99-8.htm)

[99.9](tm2521783d1_ex99-9.htm) [Canopy Financial Technology Partners, LLC ("Canopy") Narrative](tm2521783d1_ex99-9.htm)

[99.10](tm2521783d1_ex99-10.htm) [Canopy Exceptions Report](tm2521783d1_ex99-10.htm)

[99.11](tm2521783d1_ex99-11.htm) [Canopy Rating Agency Grades](tm2521783d1_ex99-11.htm)

[99.12](tm2521783d1_ex99-12.htm) [Canopy Data Compare](tm2521783d1_ex99-12.htm)

[99.13](tm2521783d1_ex99-13.htm) [Canopy ATR QM Report](tm2521783d1_ex99-13.htm)

[99.14](tm2521783d1_ex99-14.htm) [Canopy Valuation Report](tm2521783d1_ex99-14.htm)

[99.15](tm2521783d1_ex99-15.htm) [Clarifii LLC ("Clarifii") Executive Summary](tm2521783d1_ex99-15.htm)

[99.16](tm2521783d1_ex99-16.htm) [Clarifii Rating Agency Grades Detail Report](tm2521783d1_ex99-16.htm)

[99.17](tm2521783d1_ex99-17.htm) [Clarifii Rating Agency Grades Summary Report](tm2521783d1_ex99-17.htm)

[99.18](tm2521783d1_ex99-18.htm) [Clarifii Data Compare Report](tm2521783d1_ex99-18.htm)

[99.19](tm2521783d1_ex99-19.htm) [Clarifii ATR QM Report](tm2521783d1_ex99-19.htm)

[99.20](tm2521783d1_ex99-20.htm) [Clarifii Valuation Report](tm2521783d1_ex99-20.htm)

[99.21](tm2521783d1_ex99-21.htm) [Clarifii Rating Agency Multi Property Valuation](tm2521783d1_ex99-21.htm)

[99.22](tm2521783d1_ex99-22.htm) [Selene Diligence LLC ("Selene") Due Diligence Review Narrative](tm2521783d1_ex99-22.htm)

[99.23](tm2521783d1_ex99-23.htm) [Selene Rating Agency Grades Detail Report](tm2521783d1_ex99-23.htm)

[99.24](tm2521783d1_ex99-24.htm) [Selene Rating Agency Grades Report](tm2521783d1_ex99-24.htm)

[99.25](tm2521783d1_ex99-25.htm) [Selene Data Compare Report](tm2521783d1_ex99-25.htm)

[99.26](tm2521783d1_ex99-26.htm) [Selene ATR QM Detail](tm2521783d1_ex99-26.htm)

[99.27](tm2521783d1_ex99-27.htm) [Selene Valuations Report](tm2521783d1_ex99-27.htm)

[99.28](tm2521783d1_ex99-28.htm) [Clayton Services LLC ("Clayton") Due Diligence Narrative Report](tm2521783d1_ex99-28.htm)

[99.29](tm2521783d1_ex99-29.htm) [Clayton Conditions Report](tm2521783d1_ex99-29.htm)

[99.30](tm2521783d1_ex99-30.htm) [Clayton Loan Level Tape Compare Upload](tm2521783d1_ex99-30.htm)

[99.31](tm2521783d1_ex99-31.htm) [Clayton Non ATR QM Upload](tm2521783d1_ex99-31.htm)

[99.32](tm2521783d1_ex99-32.htm) [Clayton Rating Agency Grades Report](tm2521783d1_ex99-32.htm)

[99.33](tm2521783d1_ex99-33.htm) [Clayton Valuations Summary](tm2521783d1_ex99-33.htm)

**SIGNATURE**

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.

Date: July 31, 2025

---

| | | |
|:---|:---|:---|
| VMC ASSET DEPOSITOR, LLC | VMC ASSET DEPOSITOR, LLC | VMC ASSET DEPOSITOR, LLC |
| By: | /s/ Robert Konigsberg | /s/ Robert Konigsberg |
|  | Name: | Robert Konigsberg |
|  | Title: | Chief Financial Officer |

---

## Exhibit 99.1

**EXHIBIT 99.1**

**AMC Diligence, LLC ("AMC") Due Diligence Executive Summary**

![](tm2521783d1_ex99-1img001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

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

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

The final population of the Review contained three hundred thirty-one (331) Loans totaling an aggregate original principal balance of approximately $191.697 million (the "Loans").

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

The Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations, NRSRO(s), Moody's Investors Service, Inc ("Moody's") and S&P Global Ratings ("S&P").

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Original Interest Rate |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Appraisal Date | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;PMI Company |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;Investor: Qualifying Housing Ratio | &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Prepayment Penalty Period (months) |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Product Description |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;Margin | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Original HLTV | &nbsp;&nbsp;Zip |

---

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

1 \| P a g e

![](tm2521783d1_ex99-1img001.jpg)

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

Of specific note, there were two hundred ten (210) Loans where the income was verified, and a DTI was calculated within Credit and Compliance Scope. The Client's program allowed for income documentation to be provided via bank statements, CPA letters and P&Ls. Within this securitization, eleven (11) Loans utilized twenty-four (24) or more months of bank statements, eighty-four (84) Loans utilized twelve (12) through twenty-three (23) months of bank statements, three (3) Loans utilized twenty-four (24) or more months of P&L income, and forty-one (41) Loans utilized twelve (12) months of P&L income. There were three (3) Loans that were considered asset depletion loans. The rest of the Loans were underwritten to tax returns, W-2s, 1099s or traditional methods of documentation with eleven (11) Loans only having 12 months of income verification.

There were one hundred twenty-one (121) Loans that were considered Business Purpose/Property Focused Investor Loans. Eighty-seven (87) Loans have a DSCR calculation of 1 or above. The remaining thirty-four (34) Loans had a DSCR below 1.

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

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

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

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

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

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

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

2 \| P a g e

![](tm2521783d1_ex99-1img001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

3 \| P a g e

![](tm2521783d1_ex99-1img001.jpg)

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

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

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

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

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

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

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

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

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

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

---

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

---

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

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

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

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

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

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 

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*<u>Qualified Mortgage</u>*

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

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

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

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

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

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

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

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

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

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

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

 

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

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

 

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

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**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

▪ Underwriting summary / loan approval (1008);

▪ Credit report;

▪ Income and employment documentation;

▪ 4506T;

▪ Asset documentation;

▪ Sales contract;

▪ Hazard and/or flood insurance policies;

▪ Copy of note for any junior liens;

▪ Appraisal;

▪ Title/Preliminary Title;

▪ Final 1003;

▪ Changed circumstance documentation;

▪ Right of Rescission Disclosure;

▪ Mortgage/Deed of Trust;

▪ Note;

▪ Mortgage Insurance;

▪ Tangible Net Benefit Disclosure;

▪ Subordination Agreement;

▪ FACTA disclosures;

▪ Notice of Special Flood Hazards;

▪ Initial and final GFE's;

▪ HUD from sale of previous residence;

▪ Final HUD-1;

▪ Initial TIL;

▪ Final TIL;

▪ Loan Estimates;

▪ Closing Disclosures; and

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

**<u>(8) Other: review and methodology.</u>**

**<u>Title Review</u>**

As requested by the Client, a title review was included in AMC's scope of review. To facilitate this review, the Client provided AMC with identifying data on the population of mortgage loans. Data provided by the client, included mortgage loan and servicer identification numbers as well as subject property address, borrower names, origination date, original mortgage loan amount for the subject mortgage and title policies from origination as it relates to the subject mortgage. Using the data provided, AMC ordered a current owner's title search on these mortgage loans through a service provider. Upon receipt and review of the current owner's title search results, AMC identified whether the subject mortgage was of record, whether any deed vesting concerns of substance were present, and whether the title search report revealed any liens and/or judgments which could affect the seniority of the subject mortgage, including potentially superior post origination liens and/or judgments such as Property Tax Liens, Municipal Liens, and Association Super Liens. AMC reviewed the title policies for all liens and/or judgments that were recorded before the recordation of the subject mortgage to determine if any identifiable liens and/or judgments were listed as an exception on schedule B of the applicable title policies.

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

**(9) Disclaimer.**

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

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

**SUMMARY OF FINDINGS AND CONCLUSIONS**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the NRSROs listed in the Form ABS Due Diligence-15E, Moody's and S&P.

**OVERALL REVIEW RESULTS SUMMARY**

All three hundred one (301) Loans (100%) reviewed under the applicable Moody's grading criteria, received an overall "A" or "B" grade. Thirty (30) Loans under the applicable Moody's grading criteria, received a "N/A" due to second lien loans.

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---

| | | |
|:---|:---|:---|
| **Moody's - Overall Loan Grades** | **Moody's - Overall Loan Grades** | **Moody's - Overall Loan Grades** |
| **Final Loan Grade** | **# of<br> Loans** | **% of<br> Loans** |
| A | 171 | 51.66% |
| B | 130 | 39.27% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| N/A | 30 | 9.07% |
| **Total** | **331** | **100.00%** |

---

All three hundred thirty-one (331) Loans (100%) reviewed under the applicable S&P's grading criteria, received an overall "A" or "B" grade.

---

| | | |
|:---|:---|:---|
| **S&P Overall Loan Grades** | **S&P Overall Loan Grades** | **S&P Overall Loan Grades** |
| **Final Loan Grade** | **# of<br> Loans** | **% of<br> Loans** |
| A | 178 | 53.78% |
| B | 153 | 46.22% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **331** | **100.00%** |

---

**COMPLIANCE RESULTS SUMMARY**

Of the one hundred eighty (180) Loans reviewed for compliance under the applicable Moody's grading criteria, all one hundred eighty (180) Loans (100%) received an "A" or "B" compliance grade. Thirty (30) Loans reviewed under the applicable Moody's grading criteria, received a "N/A" due to second lien loans.

---

| | | |
|:---|:---|:---|
| **Moody's Compliance Loan Grades** | **Moody's Compliance Loan Grades** | **Moody's Compliance Loan Grades** |
| **Final Loan Grade** | **# of<br> Loans** | **% of<br> Loans** |
| A | 110 | 52.38% |
| B | 70 | 33.33% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| N/A | 30 | 14.29% |
| **Total** | **210** | **100.00%** |

---

Of the two hundred ten (210) Loans reviewed for compliance under the applicable S&P's grading criteria, all two hundred ten (210) Loans (100%) received an "A" or "B" compliance grade.

---

| | | |
|:---|:---|:---|
| **S&P Compliance Loan Grades** | **S&P Compliance Loan Grades** | **S&P Compliance Loan Grades** |
| **Final Loan Grade** | **# of<br> Loans** | **% of<br> Loans** |
| A | 127 | 60.48% |
| B | 83 | 39.52% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **210** | **100.00%** |

---

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**CREDIT RESULTS SUMMARY**

All three hundred one (301) Loans (100%) reviewed under the applicable Moody's grading criteria, received an "A" or "B" credit grade. Thirty (30) Loans reviewed under the applicable Moody's grading criteria, received a "N/A" due to second lien loans.

---

| | | |
|:---|:---|:---|
| **Moody's Credit Loan Grades** | **Moody's Credit Loan Grades** | **Moody's Credit Loan Grades** |
| **Final Loan Grade** | **# of<br> Loans** | **% of<br> Loans** |
| A | 214 | 64.65% |
| B | 87 | 26.28% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| N/A | 30 | 9.07% |
| **Total** | **331** | **100.00%** |

---

All three hundred thirty-one (331) Loans (100%) reviewed under the applicable S&P's grading criteria, received an "A" or "B" credit grade.

---

| | | |
|:---|:---|:---|
| **S&P Credit Loan Grades** | **S&P Credit Loan Grades** | **S&P Credit Loan Grades** |
| **Final Loan Grade** | **# of<br> Loans** | **% of<br> Loans** |
| A | 226 | 68.28% |
| B | 105 | 31.72% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **331** | **100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

Three hundred one (301) Loans (100%) reviewed under the applicable Moody's grading criteria, received an "A" or "B" property grade. Thirty (30) Loans under the applicable Moody's grading criteria, received a "N/A" due to second lien loans.

---

| | | |
|:---|:---|:---|
| **Moody's Property Loan Grades** | **Moody's Property Loan Grades** | **Moody's Property Loan Grades** |
| **Final Loan Grade** | **# of<br> Loans** | **% of<br> Loans** |
| A | 300 | 90.63% |
| B | 1 | 0.30% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| N/A | 30 | 9.06% |
| **Total** | **331** | **100.00%** |

---

All three hundred thirty-one (331) Loans (100%) reviewed under the applicable S&P's grading criteria, received an "A" or "B" property grade.

---

| | | |
|:---|:---|:---|
| **S&P Property Loan Grades** | **S&P Property Loan Grades** | **S&P Property Loan Grades** |
| **Final Loan Grade** | **# of<br> Loans** | **% of<br> Loans** |
| A | 329 | 99.40% |
| B | 2 | 0.60% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **331** | **100.00%** |

---

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**EXCEPTION CATEGORY SUMMARY** 

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception<br> Type** | &nbsp;&nbsp;**Moody's Final<br> Exception<br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;33 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Final or Initial 1003 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Application Date | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Data (other than HUD-1 or Note) | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;RESPA | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B |  |  |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;GSE | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B |  |  |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***107*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**107** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;72 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Hazard Insurance | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;System | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***108*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**108** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**216** |

---

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![](tm2521783d1_ex99-1img001.jpg)

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception<br> Type** | &nbsp;&nbsp;**S&P Final<br> Exception<br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;53 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;24 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Final or Initial 1003 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Application Date | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Data (other than HUD-1 or Note) | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;RESPA | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;GSE | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B |  |  |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***136*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**136** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;76 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Hazard Insurance | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;System | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***128*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**128** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***2*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**2** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**266** |

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![](tm2521783d1_ex99-1img001.jpg)

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the three hundred thirty-one (331) Loans reviewed, three hundred twenty-three (323) unique Loans had one thousand one hundred twenty-four (1,124) different tape discrepancies across thirty-five (35) data fields (some Loans had more than one data delta). The largest variances were found on Original HLTV, Cash From Borrower and Cash To Borrower where the data tape information did not coincide with the documentation type found in the loan file.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of<br> Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;1 | &nbsp;&nbsp;317 | &nbsp;&nbsp;0.32% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;15 | &nbsp;&nbsp;304 | &nbsp;&nbsp;4.93% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;313 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Appraisal Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;43 | &nbsp;&nbsp;310 | &nbsp;&nbsp;13.87% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;5 | &nbsp;&nbsp;321 | &nbsp;&nbsp;1.56% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;21 | &nbsp;&nbsp;255 | &nbsp;&nbsp;8.24% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;70 | &nbsp;&nbsp;330 | &nbsp;&nbsp;21.21% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;244 | &nbsp;&nbsp;0.41% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;182 | &nbsp;&nbsp;295 | &nbsp;&nbsp;61.69% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;110 | &nbsp;&nbsp;123 | &nbsp;&nbsp;89.43% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;4 | &nbsp;&nbsp;331 | &nbsp;&nbsp;1.21% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;6 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;6 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;6 | &nbsp;&nbsp;194 | &nbsp;&nbsp;3.09% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;137 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;37 | &nbsp;&nbsp;191 | &nbsp;&nbsp;19.37% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;0 | &nbsp;&nbsp;316 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;9 | &nbsp;&nbsp;91 | &nbsp;&nbsp;9.89% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Investor: Qualifying Housing Ratio | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;69 | &nbsp;&nbsp;200 | &nbsp;&nbsp;34.50% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;321 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;16 | &nbsp;&nbsp;6.25% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;9 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;9 | &nbsp;&nbsp;18 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;321 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;16 | &nbsp;&nbsp;309 | &nbsp;&nbsp;5.18% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Original HLTV | &nbsp;&nbsp;295 | &nbsp;&nbsp;295 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;4 | &nbsp;&nbsp;331 | &nbsp;&nbsp;1.21% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;13 | &nbsp;&nbsp;325 | &nbsp;&nbsp;4.00% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;11 | &nbsp;&nbsp;311 | &nbsp;&nbsp;3.54% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;0 | &nbsp;&nbsp;28 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;315 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;PMI Company | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;1 | &nbsp;&nbsp;110 | &nbsp;&nbsp;0.91% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;0 | &nbsp;&nbsp;295 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;98 | &nbsp;&nbsp;324 | &nbsp;&nbsp;30.25% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;329 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;5 | &nbsp;&nbsp;124 | &nbsp;&nbsp;4.03% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;24 | &nbsp;&nbsp;323 | &nbsp;&nbsp;7.43% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;331 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;22 | &nbsp;&nbsp;331 | &nbsp;&nbsp;6.65% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;4 | &nbsp;&nbsp;10 | &nbsp;&nbsp;40.00% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;17 | &nbsp;&nbsp;331 | &nbsp;&nbsp;5.14% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1118** | &nbsp;&nbsp;**9481** | &nbsp;&nbsp;**11.79%** | &nbsp;&nbsp;**331** |

---

17 \| P a g e

**SitusAMC TITLE REVIEW SUMMARY (1 Mortgage Loan)**

As part of the due diligence services, the Client provided SitusAMC with identifying data on one (1) Loan. Based on the scope of review set forth herein, the critical findings are summarized as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· There are no potential issues surrounding origination deed vesting concerns.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· There are no potential issues surrounding delinquent property taxes.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· No unresolved Super Position HOA Liens recorded after the subject mortgage
which were entitled to limited or full lien priority over the subject mortgage were identified.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· There are no unresolved Municipal Liens which had limited or full lien priority
over the subject mortgage were located.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· No unresolved Property Tax Liens which had limited or full lien priority
over the subject mortgage were located.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· All Prior Liens identified in our review have
been resolved.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· All Prior Mortgages identified in our review
have been resolved.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· As to any Miscellaneous Items of substance, the
items in this category typically defy standard categorization or summarization and are individually detailed.

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;321 | &nbsp;&nbsp;96.98% | &nbsp;&nbsp;$183542064.00 | &nbsp;&nbsp;95.75% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;10 | &nbsp;&nbsp;3.02% | &nbsp;&nbsp;$8155073.00 | &nbsp;&nbsp;4.25% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**331** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$191697137.00** | &nbsp;&nbsp;**100.00%** |

---

18 \| P a g e

![](tm2521783d1_ex99-1img001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;301 | &nbsp;&nbsp;90.94% | &nbsp;&nbsp;$184798527.00 | &nbsp;&nbsp;96.40% |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;30 | &nbsp;&nbsp;9.06% | &nbsp;&nbsp;$6898610.00 | &nbsp;&nbsp;3.60% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**331** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$191697137.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;122 | &nbsp;&nbsp;36.86% | &nbsp;&nbsp;$60288610.00 | &nbsp;&nbsp;31.45% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;52 | &nbsp;&nbsp;15.71% | &nbsp;&nbsp;$28865038.00 | &nbsp;&nbsp;15.06% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;142 | &nbsp;&nbsp;42.90% | &nbsp;&nbsp;$86617404.00 | &nbsp;&nbsp;45.18% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;15 | &nbsp;&nbsp;4.53% | &nbsp;&nbsp;$15926085.00 | &nbsp;&nbsp;8.31% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**331** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$191697137.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;181-240 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.30% | &nbsp;&nbsp;$293500.00 | &nbsp;&nbsp;0.15% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;329 | &nbsp;&nbsp;99.40% | &nbsp;&nbsp;$190983712.00 | &nbsp;&nbsp;99.63% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.30% | &nbsp;&nbsp;$419925.00 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**331** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$191697137.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;162 | &nbsp;&nbsp;48.94% | &nbsp;&nbsp;$102883594.00 | &nbsp;&nbsp;53.67% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;21 | &nbsp;&nbsp;6.34% | &nbsp;&nbsp;$9255970.00 | &nbsp;&nbsp;4.83% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;11 | &nbsp;&nbsp;3.32% | &nbsp;&nbsp;$5001125.00 | &nbsp;&nbsp;2.61% |
| &nbsp;&nbsp;Condotel | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.21% | &nbsp;&nbsp;$2821480.00 | &nbsp;&nbsp;1.47% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;96 | &nbsp;&nbsp;29.00% | &nbsp;&nbsp;$51768818.00 | &nbsp;&nbsp;27.01% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;7 | &nbsp;&nbsp;2.11% | &nbsp;&nbsp;$2658175.00 | &nbsp;&nbsp;1.39% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;13 | &nbsp;&nbsp;3.93% | &nbsp;&nbsp;$9210425.00 | &nbsp;&nbsp;4.80% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;8 | &nbsp;&nbsp;2.42% | &nbsp;&nbsp;$4153300.00 | &nbsp;&nbsp;2.17% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;9 | &nbsp;&nbsp;2.72% | &nbsp;&nbsp;$3944250.00 | &nbsp;&nbsp;2.06% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**331** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$191697137.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;169 | &nbsp;&nbsp;51.06% | &nbsp;&nbsp;$118095068.00 | &nbsp;&nbsp;61.61% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;154 | &nbsp;&nbsp;46.53% | &nbsp;&nbsp;$67563219.00 | &nbsp;&nbsp;35.24% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;8 | &nbsp;&nbsp;2.42% | &nbsp;&nbsp;$6038850.00 | &nbsp;&nbsp;3.15% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**331** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$191697137.00** | &nbsp;&nbsp;**100.00%** |

---

19 \| P a g e

## Exhibit 99.2

**EXHIBIT 99.2**

**AMC Data Compare REPORT**

![](tm2521783d1_ex99-02img01.jpg)

**Data Compare**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| xxxxxx | 814870 | xxxxxx | Cash To Borrower | 163296.09 | 167505.56 | Verified | Field value reflects source document |
| xxxxxx | 814870 | xxxxxx | Original HLTV | 0 | 23.9726 | Verified | Field value reflects source document |
| xxxxxx | 828059 | xxxxxx | Representative FICO | 767 | 769 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 828059 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 828059 | xxxxxx | Cash From Borrower | 0.00 | 87060.88 | Verified | Field value reflects source document |
| xxxxxx | 828059 | xxxxxx | Original HLTV | 0 | 84.99997 | Verified | Field value reflects source document |
| xxxxxx | 828231 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 828231 | xxxxxx | Cash From Borrower | 0.00 | 276592.54 | Verified | Field value reflects source document |
| xxxxxx | 828231 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 828644 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 828644 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 828644 | xxxxxx | Representative FICO | 669 | 683 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 828644 | xxxxxx | Cash To Borrower | 100000.00 | 104230.56 | Verified | Field value reflects source document |
| xxxxxx | 828644 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 829540 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 829540 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 829540 | xxxxxx | Original HLTV | 0 | 40 | Verified | Field value reflects source document |
| xxxxxx | 829835 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 829835 | xxxxxx | Cash To Borrower | 50000.00 | 126610.14 | Verified | Field value reflects source document |
| xxxxxx | 829835 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 831005 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 831005 | xxxxxx | Cash To Borrower | 157629.00 | 157885.02 | Verified | Field value reflects source document |
| xxxxxx | 831005 | xxxxxx | Original CLTV | 80 | 78.23102 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 831005 | xxxxxx | Investor: Qualifying Total Debt Ratio | 11.346 | 8.04042 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 831005 | xxxxxx | Original HLTV | 0 | 33.959 | Verified | Field value reflects source document |
| xxxxxx | 831020 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 831020 | xxxxxx | Cash To Borrower | 132109.00 | 167589.86 | Verified | Field value reflects source document |
| xxxxxx | 831020 | xxxxxx | Original HLTV | 0 | 54.55882 | Verified | Field value reflects source document |
| xxxxxx | 831138 | xxxxxx | Prepayment Penalty Period (months) |  | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| xxxxxx | 831396 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 831396 | xxxxxx | Cash To Borrower | 100750.00 | 94578.25 | Verified | Field value reflects source document |
| xxxxxx | 831396 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 831574 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 831574 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 831574 | xxxxxx | Cash From Borrower | 0.00 | 206974.37 | Verified | Field value reflects source document |
| xxxxxx | 831574 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 831588 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 831588 | xxxxxx | Cash From Borrower | 0.00 | 255253.80 | Verified | Field value reflects source document |
| xxxxxx | 831588 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 831759 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 831759 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 831759 | xxxxxx | Cash To Borrower | 0.00 | 723.93 | Verified | Field value reflects source document |
| xxxxxx | 831759 | xxxxxx | Original HLTV | 0 | 62.59349 | Verified | Field value reflects source document |
| xxxxxx | 831857 | xxxxxx | Cash From Borrower | 0.00 | 78185.96 | Verified | Field value reflects source document |
| xxxxxx | 831857 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 831883 | xxxxxx | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 831883 | xxxxxx | Cash To Borrower | 26221.00 | 28175.37 | Verified | Field value reflects source document |
| xxxxxx | 831883 | xxxxxx | Original HLTV | 0 | 20.52174 | Verified | Field value reflects source document |
| xxxxxx | 832315 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 832315 | xxxxxx | Cash To Borrower | 381000.00 | 375841.11 | Verified | Field value reflects source document |
| xxxxxx | 832315 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 832336 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 832336 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 832336 | xxxxxx | Original CLTV | 75 | 72.41911 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 832336 | xxxxxx | Original LTV | 75 | 72.41911 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 832336 | xxxxxx | Cash From Borrower | 0.00 | 199586.00 | Verified | Field value reflects source document |
| xxxxxx | 832336 | xxxxxx | Original HLTV | 0 | 72.41911 | Verified | Field value reflects source document |
| xxxxxx | 832434 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 832434 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 832434 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 832434 | xxxxxx | Cash From Borrower | 0.00 | 275250.01 | Verified | Field value reflects source document |
| xxxxxx | 832434 | xxxxxx | Original HLTV | 0 | 53.27103 | Verified | Field value reflects source document |
| xxxxxx | 832523 | xxxxxx | Cash From Borrower | 0.00 | 139310.06 | Verified | Field value reflects source document |
| xxxxxx | 832523 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 832635 | xxxxxx | Cash From Borrower | 0.00 | 192287.95 | Verified | Field value reflects source document |
| xxxxxx | 832635 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 832686 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 832686 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 832686 | xxxxxx | First Payment Date |  | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 832686 | xxxxxx | Cash To Borrower | 194203.00 | 193924.18 | Verified | Field value reflects source document |
| xxxxxx | 832686 | xxxxxx | Original HLTV | 0 | 13.55932 | Verified | Field value reflects source document |
| xxxxxx | 832705 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 832705 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 832705 | xxxxxx | Cash To Borrower | 267000.00 | 1154.12 | Verified | Field value reflects source document |
| xxxxxx | 832705 | xxxxxx | Original HLTV | 0 | 59.20177 | Verified | Field value reflects source document |
| xxxxxx | 832712 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 832712 | xxxxxx | Cash To Borrower | 95000.00 | 60944.46 | Verified | Field value reflects source document |
| xxxxxx | 832712 | xxxxxx | Original CLTV | 65 | 63.08824 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 832712 | xxxxxx | Original LTV | 65 | 63.08824 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 832712 | xxxxxx | Original HLTV | 0 | 63.08824 | Verified | Field value reflects source document |
| xxxxxx | 832796 | xxxxxx | Cash To Borrower | 100000.00 | 45652.68 | Verified | Field value reflects source document |
| xxxxxx | 832796 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 832800 | xxxxxx | Cash To Borrower | 100000.00 | 25281.28 | Verified | Field value reflects source document |
| xxxxxx | 832800 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 832818 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 832818 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 832818 | xxxxxx | Cash To Borrower | 80633.48 | 88799.86 | Verified | Field value reflects source document |
| xxxxxx | 832818 | xxxxxx | Original HLTV | 0 | 56.95528 | Verified | Field value reflects source document |
| xxxxxx | 832874 | xxxxxx | Cash From Borrower | 0.00 | 365204.22 | Verified | Field value reflects source document |
| xxxxxx | 832874 | xxxxxx | Original HLTV | 0 | 46.82779 | Verified | Field value reflects source document |
| xxxxxx | 832967 | xxxxxx | Cash From Borrower | 0.00 | 1033.79 | Verified | Field value reflects source document |
| xxxxxx | 832967 | xxxxxx | Original HLTV | 0 | 46.69388 | Verified | Field value reflects source document |
| xxxxxx | 833034 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 833034 | xxxxxx | Original Interest Rate | 9.375 | 9.875 | Verified | Field Value reflects the Note value |
| xxxxxx | 833034 | xxxxxx | Representative FICO | 775 | 787 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 833034 | xxxxxx | Cash To Borrower | 92950.00 | 93359.24 | Verified | Field value reflects source document |
| xxxxxx | 833034 | xxxxxx | Investor: Qualifying Total Debt Ratio | 47.45 | 30.12848 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 833034 | xxxxxx | Original HLTV | 0 | 13.15789 | Verified | Field value reflects source document |
| xxxxxx | 833247 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 833247 | xxxxxx | Cash To Borrower | 55531.92 | 54013.09 | Verified | Field value reflects source document |
| xxxxxx | 833247 | xxxxxx | Original HLTV | 0 | 67.16667 | Verified | Field value reflects source document |
| xxxxxx | 833258 | xxxxxx | Investor: Qualifying Housing Ratio | 48.913 | 9.30122 | Verified | Field value reflects source document |
| xxxxxx | 833282 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 833282 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 833282 | xxxxxx | Cash To Borrower | 85000.00 | 79346.48 | Verified | Field value reflects source document |
| xxxxxx | 833282 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 833410 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 833410 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 833410 | xxxxxx | Cash From Borrower | 0.00 | 153721.89 | Verified | Field value reflects source document |
| xxxxxx | 833410 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 833439 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 833439 | xxxxxx | Representative FICO | 728 | 735 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 833439 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 833439 | xxxxxx | Cash To Borrower | 50000.00 | 380789.79 | Verified | Field value reflects source document |
| xxxxxx | 833439 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 833457 | xxxxxx | Cash To Borrower | 164890.00 | 166507.73 | Verified | Field value reflects source document |
| xxxxxx | 833457 | xxxxxx | Original HLTV | 0 | 14.30855 | Verified | Field value reflects source document |
| xxxxxx | 833490 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 833490 | xxxxxx | Cash From Borrower | 0.00 | 131334.13 | Verified | Field value reflects source document |
| xxxxxx | 833490 | xxxxxx | Investor: Qualifying Total Debt Ratio | 44 | 41.48773 | Verified | Audit DTI |
| xxxxxx | 833490 | xxxxxx | Original HLTV | 0 | 88.58434 | Verified | Field value reflects source document |
| xxxxxx | 833491 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 833491 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 833491 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 833491 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 833491 | xxxxxx | Cash To Borrower | 0.00 | 1503.71 | Verified | Field value reflects source document |
| xxxxxx | 833491 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 833524 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 833524 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 833524 | xxxxxx | Cash From Borrower | 0.00 | 93162.00 | Verified | Field value reflects source document |
| xxxxxx | 833524 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 833566 | xxxxxx | Cash To Borrower | 188000.00 | 1042.85 | Verified | Field value reflects source document |
| xxxxxx | 833566 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49.113 | 51.36315 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 833566 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 833573 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 833573 | xxxxxx | Cash From Borrower | 0.00 | 5973.14 | Verified | Field value reflects source document |
| xxxxxx | 833573 | xxxxxx | Original HLTV | 0 | 73.59116 | Verified | Field value reflects source document |
| xxxxxx | 833670 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 833670 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 833670 | xxxxxx | Cash To Borrower | 345152.00 | 336585.30 | Verified | Field value reflects source document |
| xxxxxx | 833670 | xxxxxx | Original HLTV | 0 | 64.85507 | Verified | Field value reflects source document |
| xxxxxx | 833673 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 833673 | xxxxxx | Cash From Borrower | 0.00 | 275758.69 | Verified | Field value reflects source document |
| xxxxxx | 833673 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 833697 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 833697 | xxxxxx | Representative FICO | 731 | 725 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 833697 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 833697 | xxxxxx | Cash From Borrower | 0.00 | 112218.95 | Verified | Field value reflects source document |
| xxxxxx | 833697 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 833719 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 833719 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 833719 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 833719 | xxxxxx | Cash To Borrower | 178500.00 | 161283.20 | Verified | Field value reflects source document |
| xxxxxx | 833719 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 833726 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 833726 | xxxxxx | Cash To Borrower | 50000.00 | 97070.05 | Verified | Field value reflects source document |
| xxxxxx | 833726 | xxxxxx | Original HLTV | 0 | 49.68944 | Verified | Field value reflects source document |
| xxxxxx | 833737 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 833737 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 833737 | xxxxxx | Cash To Borrower | 440000.00 | 337016.08 | Verified | Field value reflects source document |
| xxxxxx | 833737 | xxxxxx | Original HLTV | 0 | 12.36111 | Verified | Field value reflects source document |
| xxxxxx | 833761 | xxxxxx | Cash To Borrower | 423176.00 | 329238.38 | Verified | Field value reflects source document |
| xxxxxx | 833761 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 833777 | xxxxxx | Coborrower First Name |  | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 833777 | xxxxxx | Coborrower Last Name |  | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 833777 | xxxxxx | Investor: Qualifying Housing Ratio | 49.774 | 32.29968 | Verified | Field value reflects source document |
| xxxxxx | 833827 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 833827 | xxxxxx | Cash From Borrower | 0.00 | 395446.28 | Verified | Field value reflects source document |
| xxxxxx | 833827 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 833828 | xxxxxx | Cash From Borrower | 0.00 | 164465.90 | Verified | Field value reflects source document |
| xxxxxx | 833828 | xxxxxx | Original HLTV | 0 | 73 | Verified | Field value reflects source document |
| xxxxxx | 833846 | xxxxxx | Cash From Borrower | 0.00 | 697039.69 | Verified | Field value reflects source document |
| xxxxxx | 833846 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 833868 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 833868 | xxxxxx | Cash To Borrower | 485035.00 | 493095.97 | Verified | Field value reflects source document |
| xxxxxx | 833868 | xxxxxx | Investor: Qualifying Total Debt Ratio | 45.888 | 43.46676 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 833868 | xxxxxx | Original HLTV | 0 | 21.73913 | Verified | Field value reflects source document |
| xxxxxx | 833907 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 833907 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 833907 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 833907 | xxxxxx | Cash From Borrower | 0.00 | 249450.09 | Verified | Field value reflects source document |
| xxxxxx | 833907 | xxxxxx | Original HLTV | 0 | 66.53636 | Verified | Field value reflects source document |
| xxxxxx | 834045 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 834045 | xxxxxx | Cash From Borrower | 0.00 | 147176.01 | Verified | Field value reflects source document |
| xxxxxx | 834045 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 834132 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 834132 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 834132 | xxxxxx | Cash To Borrower | 85373.00 | 1350.30 | Verified | Field value reflects source document |
| xxxxxx | 834132 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49.761 | 43.58278 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 834132 | xxxxxx | Original HLTV | 0 | 25 | Verified | Field value reflects source document |
| xxxxxx | 834143 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 834143 | xxxxxx | Cash To Borrower | 225000.00 | 215192.80 | Verified | Field value reflects source document |
| xxxxxx | 834143 | xxxxxx | Original HLTV | 0 | 8.33333 | Verified | Field value reflects source document |
| xxxxxx | 834156 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 834156 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 834156 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 834156 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 834156 | xxxxxx | Cash From Borrower | 0.00 | 57977.27 | Verified | Field value reflects source document |
| xxxxxx | 834156 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 834237 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 834237 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 834237 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 834237 | xxxxxx | Cash From Borrower | 0.00 | 58508.68 | Verified | Field value reflects source document |
| xxxxxx | 834237 | xxxxxx | Investor: Qualifying Total Debt Ratio | 42.15 | 35.13225 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 834237 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 834239 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 834239 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 834239 | xxxxxx | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 834239 | xxxxxx | Cash From Borrower | 0.00 | 96495.19 | Verified | Field value reflects source document |
| xxxxxx | 834239 | xxxxxx | Original HLTV | 0 | 71.42857 | Verified | Field value reflects source document |
| xxxxxx | 834248 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 834248 | xxxxxx | Cash To Borrower | 175000.00 | 156669.89 | Verified | Field value reflects source document |
| xxxxxx | 834248 | xxxxxx | Original CLTV | 49.64539 | 47.94521 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 834248 | xxxxxx | Original LTV | 49.64539 | 47.94521 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 834248 | xxxxxx | Investor: Qualifying Total Debt Ratio | 20 | 9.00287 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 834248 | xxxxxx | Original HLTV | 0 | 47.94521 | Verified | Field value reflects source document |
| xxxxxx | 834309 | xxxxxx | Representative FICO | 761 | 766 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 834309 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 834309 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 834309 | xxxxxx | Cash From Borrower | 0.00 | 201113.42 | Verified | Field value reflects source document |
| xxxxxx | 834309 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 834364 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 834364 | xxxxxx | Representative FICO | 682 | 686 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 834364 | xxxxxx | Cash To Borrower | 0.00 | 2850.90 | Verified | Field value reflects source document |
| xxxxxx | 834364 | xxxxxx | Original HLTV | 0 | 57.89063 | Verified | Field value reflects source document |
| xxxxxx | 834378 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 834378 | xxxxxx | Cash From Borrower | 0.00 | 116422.37 | Verified | Field value reflects source document |
| xxxxxx | 834378 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 834381 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 834381 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 834381 | xxxxxx | Refi Purpose | Cash-out - Home Improvement | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 834381 | xxxxxx | Cash To Borrower | 103200.90 | 107545.62 | Verified | Field value reflects source document |
| xxxxxx | 834381 | xxxxxx | Original HLTV | 0 | 20.61853 | Verified | Field value reflects source document |
| xxxxxx | 834384 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 834384 | xxxxxx | First Payment Date |  | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 834384 | xxxxxx | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 834384 | xxxxxx | Cash To Borrower | 79380.00 | 69401.18 | Verified | Field value reflects source document |
| xxxxxx | 834384 | xxxxxx | Original HLTV | 0 | 68.28189 | Verified | Field value reflects source document |
| xxxxxx | 834403 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 834403 | xxxxxx | Cash To Borrower | 120336.17 | 122865.98 | Verified | Field value reflects source document |
| xxxxxx | 834403 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 834416 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 834416 | xxxxxx | Cash To Borrower | 12188.60 | 7721.77 | Verified | Field value reflects source document |
| xxxxxx | 834416 | xxxxxx | Original HLTV | 0 | 20.31887 | Verified | Field value reflects source document |
| xxxxxx | 834423 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 834423 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 834423 | xxxxxx | Cash From Borrower | 0.00 | 419693.04 | Verified | Field value reflects source document |
| xxxxxx | 834423 | xxxxxx | Original HLTV | 0 | 59.40594 | Verified | Field value reflects source document |
| xxxxxx | 834428 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 834428 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 834428 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 834428 | xxxxxx | Cash To Borrower | 31000.00 | 27067.76 | Verified | Field value reflects source document |
| xxxxxx | 834428 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 834433 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 834433 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 834433 | xxxxxx | Cash To Borrower | 43454.17 | 72542.93 | Verified | Field value reflects source document |
| xxxxxx | 834433 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 834447 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 834447 | xxxxxx | Representative FICO | 695 | 716 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 834447 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 834447 | xxxxxx | Cash To Borrower | 29337.63 | 33539.67 | Verified | Field value reflects source document |
| xxxxxx | 834447 | xxxxxx | Original HLTV | 0 | 5.76923 | Verified | Field value reflects source document |
| xxxxxx | 834496 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 834496 | xxxxxx | Cash To Borrower | 200000.00 | 332950.73 | Verified | Field value reflects source document |
| xxxxxx | 834496 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 834692 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 834692 | xxxxxx | Cash To Borrower | 50000.00 | 32499.34 | Verified | Field value reflects source document |
| xxxxxx | 834692 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 834768 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 834768 | xxxxxx | Cash To Borrower | 219121.50 | 191522.27 | Verified | Field value reflects source document |
| xxxxxx | 834768 | xxxxxx | Original HLTV | 0 | 50.37037 | Verified | Field value reflects source document |
| xxxxxx | 834779 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 834779 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 834779 | xxxxxx | Cash From Borrower | 0.00 | 77636.95 | Verified | Field value reflects source document |
| xxxxxx | 834779 | xxxxxx | Investor: Qualifying Total Debt Ratio | 33.524 | 30.49564 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 834779 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 834857 | xxxxxx | Cash From Borrower | 0.00 | 60814.56 | Verified | Field value reflects source document |
| xxxxxx | 834857 | xxxxxx | Investor: Qualifying Total Debt Ratio | 14.145 | 16.77062 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 834857 | xxxxxx | Original HLTV | 0 | 77.94872 | Verified | Field value reflects source document |
| xxxxxx | 834873 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 834873 | xxxxxx | Cash To Borrower | 500000.00 | 169218.59 | Verified | Field value reflects source document |
| xxxxxx | 834873 | xxxxxx | Original CLTV | 69.83333 | 74.42462 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 834873 | xxxxxx | Original LTV | 27.77778 | 29.5858 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 834873 | xxxxxx | Original HLTV | 0 | 29.5858 | Verified | Field value reflects source document |
| xxxxxx | 834875 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 834875 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 834875 | xxxxxx | Cash From Borrower | 0.00 | 225901.46 | Verified | Field value reflects source document |
| xxxxxx | 834875 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 834900 | xxxxxx | Cash From Borrower | 0.00 | 181803.52 | Verified | Field value reflects source document |
| xxxxxx | 834900 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 834930 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 834930 | xxxxxx | Representative FICO | 700 | 811 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 834930 | xxxxxx | Cash To Borrower | 100000.00 | 193660.40 | Verified | Field value reflects source document |
| xxxxxx | 834930 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 834980 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 834980 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 834980 | xxxxxx | Cash From Borrower | 0.00 | 113003.59 | Verified | Field value reflects source document |
| xxxxxx | 834980 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 835118 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 835118 | xxxxxx | Cash To Borrower | 300000.00 | 293876.49 | Verified | Field value reflects source document |
| xxxxxx | 835118 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 835119 | xxxxxx | Representative FICO | 766 | 794 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 835119 | xxxxxx | Cash To Borrower | 33297.00 | 28182.67 | Verified | Field value reflects source document |
| xxxxxx | 835119 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 835150 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 835150 | xxxxxx | Cash From Borrower | 0.00 | 106638.50 | Verified | Field value reflects source document |
| xxxxxx | 835150 | xxxxxx | Original HLTV | 0 | 73.82353 | Verified | Field value reflects source document |
| xxxxxx | 835196 | xxxxxx | Cash From Borrower | 0.00 | 69913.98 | Verified | Field value reflects source document |
| xxxxxx | 835196 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 835218 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 835218 | xxxxxx | Original Interest Rate | 7.25 | 6.875 | Verified | Field Value reflects the Note value |
| xxxxxx | 835218 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 835218 | xxxxxx | Original CLTV | 70 | 66.14545 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 835218 | xxxxxx | Original LTV | 70 | 66.14545 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 835218 | xxxxxx | Cash From Borrower | 0.00 | 103445.05 | Verified | Field value reflects source document |
| xxxxxx | 835218 | xxxxxx | Original HLTV | 0 | 66.14545 | Verified | Field value reflects source document |
| xxxxxx | 835232 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 835232 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 835232 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 835232 | xxxxxx | Cash From Borrower | 0.00 | 72251.45 | Verified | Field value reflects source document |
| xxxxxx | 835232 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 835250 | xxxxxx | Cash From Borrower | 0.00 | 106205.20 | Verified | Field value reflects source document |
| xxxxxx | 835250 | xxxxxx | Investor: Qualifying Total Debt Ratio | 43.637 | 31.09911 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 835250 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 835309 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 835309 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 835309 | xxxxxx | Cash From Borrower | 0.00 | 266602.88 | Verified | Field value reflects source document |
| xxxxxx | 835309 | xxxxxx | Original HLTV | 0 | 43.95604 | Verified | Field value reflects source document |
| xxxxxx | 835395 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 835395 | xxxxxx | Cash From Borrower | 0.00 | 49833.34 | Verified | Field value reflects source document |
| xxxxxx | 835395 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 835397 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 835397 | xxxxxx | Original Interest Rate | 9.75 | 9.5 | Verified | Field Value reflects the Note value |
| xxxxxx | 835397 | xxxxxx | Cash To Borrower | 493485.00 | 487626.77 | Verified | Field value reflects source document |
| xxxxxx | 835397 | xxxxxx | Original CLTV | 73.0603 | 67.37284 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 835397 | xxxxxx | Original HLTV | 0 | 49.26108 | Verified | Field value reflects source document |
| xxxxxx | 835414 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 835414 | xxxxxx | Cash From Borrower | 0.00 | 89867.92 | Verified | Field value reflects source document |
| xxxxxx | 835414 | xxxxxx | Original HLTV | 0 | 74.8503 | Verified | Field value reflects source document |
| xxxxxx | 835457 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 835457 | xxxxxx | Cash From Borrower | 0.00 | 127456.04 | Verified | Field value reflects source document |
| xxxxxx | 835457 | xxxxxx | Investor: Qualifying Total Debt Ratio | 39.981 | 36.85139 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 835457 | xxxxxx | Original HLTV | 0 | 32.03075 | Verified | Field value reflects source document |
| xxxxxx | 835461 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 835461 | xxxxxx | Cash From Borrower | 0.00 | 1104097.00 | Verified | Field value reflects source document |
| xxxxxx | 835461 | xxxxxx | Investor: Qualifying Total Debt Ratio | 37.65 | 30.06128 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 835461 | xxxxxx | Original HLTV | 0 | 51.13636 | Verified | Field value reflects source document |
| xxxxxx | 835468 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 835468 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 835468 | xxxxxx | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 835468 | xxxxxx | Original CLTV | 53.06061 | 51.88148 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 835468 | xxxxxx | Original LTV | 53.06061 | 51.88148 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 835468 | xxxxxx | Cash From Borrower | 0.00 | 865.01 | Verified | Field value reflects source document |
| xxxxxx | 835468 | xxxxxx | Investor: Qualifying Total Debt Ratio | 37.515 | 33.35341 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 835468 | xxxxxx | Original HLTV | 0 | 51.88148 | Verified | Field value reflects source document |
| xxxxxx | 835470 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 835470 | xxxxxx | Cash To Borrower | 450000.00 | 434313.87 | Verified | Field value reflects source document |
| xxxxxx | 835470 | xxxxxx | Original HLTV | 0 | 74.99996 | Verified | Field value reflects source document |
| xxxxxx | 835474 | xxxxxx | Cash From Borrower | 0.00 | 57676.82 | Verified | Field value reflects source document |
| xxxxxx | 835474 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 835484 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 835484 | xxxxxx | Representative FICO | 803 | 814 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 835484 | xxxxxx | Cash From Borrower | 0.00 | 181364.90 | Verified | Field value reflects source document |
| xxxxxx | 835484 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 835516 | xxxxxx | Cash To Borrower | 109323.00 | 71470.82 | Verified | Field value reflects source document |
| xxxxxx | 835516 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 835531 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 835574 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 835574 | xxxxxx | Cash From Borrower | 0.00 | 187902.41 | Verified | Field value reflects source document |
| xxxxxx | 835574 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 835575 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 835575 | xxxxxx | Cash From Borrower | 0.00 | 155956.32 | Verified | Field value reflects source document |
| xxxxxx | 835575 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 835577 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 835577 | xxxxxx | Cash From Borrower | 0.00 | 185564.68 | Verified | Field value reflects source document |
| xxxxxx | 835577 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 835580 | xxxxxx | Cash From Borrower | 0.00 | 188023.95 | Verified | Field value reflects source document |
| xxxxxx | 835580 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 835586 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 835586 | xxxxxx | Cash From Borrower | 0.00 | 141603.30 | Verified | Field value reflects source document |
| xxxxxx | 835586 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 835594 | xxxxxx | Cash From Borrower | 0.00 | 277833.85 | Verified | Field value reflects source document |
| xxxxxx | 835594 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 835632 | xxxxxx | Cash From Borrower | 0.00 | 325664.60 | Verified | Field value reflects source document |
| xxxxxx | 835632 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 835643 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 835643 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 835643 | xxxxxx | Cash From Borrower | 0.00 | 366632.52 | Verified | Field value reflects source document |
| xxxxxx | 835643 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 835660 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 835660 | xxxxxx | Cash From Borrower | 0.00 | 666176.57 | Verified | Field value reflects source document |
| xxxxxx | 835660 | xxxxxx | Original HLTV | 0 | 55.11265 | Verified | Field value reflects source document |
| xxxxxx | 835681 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 835681 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 835681 | xxxxxx | Cash From Borrower | 0.00 | 130019.26 | Verified | Field value reflects source document |
| xxxxxx | 835681 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 835723 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 835723 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 835723 | xxxxxx | Cash From Borrower | 0.00 | 132058.86 | Verified | Field value reflects source document |
| xxxxxx | 835723 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 835778 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 835778 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 835778 | xxxxxx | Cash To Borrower | 198034.00 | 187063.95 | Verified | Field value reflects source document |
| xxxxxx | 835778 | xxxxxx | Original CLTV | 75 | 73.17073 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 835778 | xxxxxx | Original LTV | 75 | 73.17073 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 835778 | xxxxxx | Original HLTV | 0 | 73.17073 | Verified | Field value reflects source document |
| xxxxxx | 835785 | xxxxxx | Representative FICO | 758 | 785 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 835785 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 835785 | xxxxxx | Cash From Borrower | 0.00 | 61025.00 | Verified | Field value reflects source document |
| xxxxxx | 835785 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 835786 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 835786 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 835786 | xxxxxx | Cash To Borrower | 155000.00 | 147842.41 | Verified | Field value reflects source document |
| xxxxxx | 835786 | xxxxxx | Original CLTV | 68.58407 | 69.9115 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 835786 | xxxxxx | Original LTV | 68.58407 | 69.9115 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 835786 | xxxxxx | Original HLTV | 0 | 69.9115 | Verified | Field value reflects source document |
| xxxxxx | 835799 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 835799 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 835799 | xxxxxx | Cash To Borrower | 230000.00 | 207042.95 | Verified | Field value reflects source document |
| xxxxxx | 835799 | xxxxxx | Original HLTV | 0 | 36.50794 | Verified | Field value reflects source document |
| xxxxxx | 835841 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 835841 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 835841 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 835841 | xxxxxx | Original CLTV | 69.36508 | 68.28125 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 835841 | xxxxxx | Original LTV | 69.36508 | 68.28125 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 835841 | xxxxxx | Cash From Borrower | 0.00 | 18408.43 | Verified | Field value reflects source document |
| xxxxxx | 835841 | xxxxxx | Original HLTV | 0 | 68.28125 | Verified | Field value reflects source document |
| xxxxxx | 835872 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 835872 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 835872 | xxxxxx | Cash From Borrower | 0.00 | 116679.33 | Verified | Field value reflects source document |
| xxxxxx | 835872 | xxxxxx | Original HLTV | 0 | 74.44853 | Verified | Field value reflects source document |
| xxxxxx | 835892 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 835892 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 835892 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 835892 | xxxxxx | Cash To Borrower | 350000.00 | 286475.39 | Verified | Field value reflects source document |
| xxxxxx | 835892 | xxxxxx | Original HLTV | 0 | 48.47645 | Verified | Field value reflects source document |
| xxxxxx | 835893 | xxxxxx | Original Interest Rate | 8.625 | 8.375 | Verified | Field Value reflects the Note value |
| xxxxxx | 835893 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 835893 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 835893 | xxxxxx | Cash From Borrower | 0.00 | 166038.11 | Verified | Field value reflects source document |
| xxxxxx | 835893 | xxxxxx | Original HLTV | 0 | 64.99996 | Verified | Field value reflects source document |
| xxxxxx | 835959 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 835959 | xxxxxx | Cash To Borrower | 171664.00 | 122163.08 | Verified | Field value reflects source document |
| xxxxxx | 835959 | xxxxxx | Investor: Qualifying Total Debt Ratio | 37.15 | 27.49911 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 835959 | xxxxxx | Original HLTV | 0 | 17.64706 | Verified | Field value reflects source document |
| xxxxxx | 835982 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 835982 | xxxxxx | Cash To Borrower | 89374.70 | 66809.48 | Verified | Field value reflects source document |
| xxxxxx | 835982 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 835987 | xxxxxx | Cash To Borrower | 1050000.00 | 559680.21 | Verified | Field value reflects source document |
| xxxxxx | 835987 | xxxxxx | Investor: Qualifying Total Debt Ratio | 20 | 28.56611 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 835987 | xxxxxx | Original HLTV | 0 | 68.57143 | Verified | Field value reflects source document |
| xxxxxx | 836003 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 836003 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 836003 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 836003 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 836003 | xxxxxx | Cash From Borrower | 0.00 | 1739747.40 | Verified | Field value reflects source document |
| xxxxxx | 836003 | xxxxxx | Investor: Qualifying Total Debt Ratio | 43 | 38.03632 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 836003 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 836009 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 836009 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 836009 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 836009 | xxxxxx | Cash From Borrower | 0.00 | 165874.50 | Verified | Field value reflects source document |
| xxxxxx | 836009 | xxxxxx | Investor: Qualifying Total Debt Ratio | 8.003 | 24.50144 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 836009 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 836075 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 836075 | xxxxxx | Cash To Borrower | 92285.00 | 93453.11 | Verified | Field value reflects source document |
| xxxxxx | 836075 | xxxxxx | Investor: Qualifying Total Debt Ratio | 29.33 | 33.25378 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 836075 | xxxxxx | Original HLTV | 0 | 18.18182 | Verified | Field value reflects source document |
| xxxxxx | 836077 | xxxxxx | Representative FICO | 761 | 797 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 836077 | xxxxxx | Cash To Borrower | 241260.00 | 242979.10 | Verified | Field value reflects source document |
| xxxxxx | 836077 | xxxxxx | Original HLTV | 0 | 26.04167 | Verified | Field value reflects source document |
| xxxxxx | 836146 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 836146 | xxxxxx | Cash From Borrower | 0.00 | 119775.71 | Verified | Field value reflects source document |
| xxxxxx | 836146 | xxxxxx | Original HLTV | 0 | 47.61905 | Verified | Field value reflects source document |
| xxxxxx | 836165 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 836165 | xxxxxx | Cash From Borrower | 0.00 | 96240.13 | Verified | Field value reflects source document |
| xxxxxx | 836165 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 836175 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 836175 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 836175 | xxxxxx | Cash From Borrower | 0.00 | 55650.71 | Verified | Field value reflects source document |
| xxxxxx | 836175 | xxxxxx | Original HLTV | 0 | 76.41509 | Verified | Field value reflects source document |
| xxxxxx | 836204 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 836204 | xxxxxx | Cash To Borrower | 225000.00 | 211105.65 | Verified | Field value reflects source document |
| xxxxxx | 836204 | xxxxxx | Investor: Qualifying Total Debt Ratio | 13 | 17.8741 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 836204 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 836208 | xxxxxx | Investor: Qualifying Housing Ratio | 33.591 | 19.62731 | Verified | Field value reflects source document |
| xxxxxx | 836211 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 836211 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 836211 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 836211 | xxxxxx | Cash From Borrower | 0.00 | 90453.04 | Verified | Field value reflects source document |
| xxxxxx | 836211 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 836269 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 836269 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 836269 | xxxxxx | Cash From Borrower | 0.00 | 71646.30 | Verified | Field value reflects source document |
| xxxxxx | 836269 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 836283 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 836283 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 836283 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 836283 | xxxxxx | Cash From Borrower | 0.00 | 173218.72 | Verified | Field value reflects source document |
| xxxxxx | 836283 | xxxxxx | Original HLTV | 0 | 61.69666 | Verified | Field value reflects source document |
| xxxxxx | 836291 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 836291 | xxxxxx | Cash To Borrower | 138091.10 | 115343.26 | Verified | Field value reflects source document |
| xxxxxx | 836291 | xxxxxx | Original HLTV | 0 | 69.18919 | Verified | Field value reflects source document |
| xxxxxx | 836311 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 836311 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 836311 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 836328 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 836328 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 836328 | xxxxxx | Cash To Borrower | 1040000.00 | 1014804.69 | Verified | Field value reflects source document |
| xxxxxx | 836328 | xxxxxx | Original HLTV | 0 | 64 | Verified | Field value reflects source document |
| xxxxxx | 836351 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 836351 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 836351 | xxxxxx | Cash To Borrower | 240000.00 | 220237.15 | Verified | Field value reflects source document |
| xxxxxx | 836351 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 836387 | xxxxxx | Cash To Borrower | 350000.00 | 318154.35 | Verified | Field value reflects source document |
| xxxxxx | 836387 | xxxxxx | Original HLTV | 0 | 63.63636 | Verified | Field value reflects source document |
| xxxxxx | 836393 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 836393 | xxxxxx | Representative FICO | 751 | 794 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 836393 | xxxxxx | Cash To Borrower | 240000.00 | 232418.72 | Verified | Field value reflects source document |
| xxxxxx | 836393 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 836399 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 836399 | xxxxxx | Cash To Borrower | 19693.00 | 46602.07 | Verified | Field value reflects source document |
| xxxxxx | 836399 | xxxxxx | Original CLTV | 72.8972 | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 836399 | xxxxxx | Original LTV | 72.8972 | 75 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 836399 | xxxxxx | Investor: Qualifying Total Debt Ratio | 43.47 | 47.81365 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 836399 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 836410 | xxxxxx | Cash To Borrower | 241107.64 | 223691.41 | Verified | Field value reflects source document |
| xxxxxx | 836410 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 836419 | xxxxxx | Cash From Borrower | 0.00 | 359133.91 | Verified | Field value reflects source document |
| xxxxxx | 836419 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 836449 | xxxxxx | Cash To Borrower | 400000.00 | 390419.03 | Verified | Field value reflects source document |
| xxxxxx | 836449 | xxxxxx | Original HLTV | 0 | 30.76923 | Verified | Field value reflects source document |
| xxxxxx | 836521 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 836521 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 836521 | xxxxxx | Cash To Borrower | 295000.00 | 325905.30 | Verified | Field value reflects source document |
| xxxxxx | 836521 | xxxxxx | Original HLTV | 0 | 26.38889 | Verified | Field value reflects source document |
| xxxxxx | 836536 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 836536 | xxxxxx | Cash To Borrower | 93450.00 | 86554.99 | Verified | Field value reflects source document |
| xxxxxx | 836536 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 836541 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 836541 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 836541 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 836541 | xxxxxx | Cash To Borrower | 251909.28 | 246641.36 | Verified | Field value reflects source document |
| xxxxxx | 836541 | xxxxxx | Investor: Qualifying Total Debt Ratio | 12.85 | 21.27702 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 836541 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 836546 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 836546 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 836546 | xxxxxx | Cash From Borrower | 0.00 | 207887.67 | Verified | Field value reflects source document |
| xxxxxx | 836546 | xxxxxx | Investor: Qualifying Total Debt Ratio | 17.138 | 14.98416 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 836546 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 836591 | xxxxxx | Cash To Borrower | 220000.00 | 137569.94 | Verified | Field value reflects source document |
| xxxxxx | 836591 | xxxxxx | Investor: Qualifying Total Debt Ratio | 40 | 33.03703 | Verified | Audit income and assets |
| xxxxxx | 836591 | xxxxxx | Original HLTV | 0 | 46.39306 | Verified | Field value reflects source document |
| xxxxxx | 836611 | xxxxxx | Cash From Borrower | 0.00 | 303927.12 | Verified | Field value reflects source document |
| xxxxxx | 836611 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 836613 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 836613 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 836613 | xxxxxx | Cash From Borrower | 0.00 | 51026.12 | Verified | Field value reflects source document |
| xxxxxx | 836613 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49.766 | 44.96548 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 836613 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 836631 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 836631 | xxxxxx | Cash To Borrower | 170266.75 | 170077.86 | Verified | Field value reflects source document |
| xxxxxx | 836631 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 836662 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 836662 | xxxxxx | Cash To Borrower | 120000.00 | 113528.25 | Verified | Field value reflects source document |
| xxxxxx | 836662 | xxxxxx | Original HLTV | 0 | 12.43523 | Verified | Field value reflects source document |
| xxxxxx | 836668 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 836668 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 836668 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 836668 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 836668 | xxxxxx | Cash From Borrower | 0.00 | 102450.29 | Verified | Field value reflects source document |
| xxxxxx | 836668 | xxxxxx | Original HLTV | 0 | 69.9999 | Verified | Field value reflects source document |
| xxxxxx | 836703 | xxxxxx | Cash To Borrower | 819754.04 | 830997.63 | Verified | Field value reflects source document |
| xxxxxx | 836703 | xxxxxx | Investor: Qualifying Total Debt Ratio | 41.71 | 37.50158 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 836703 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 836708 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 836708 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 836708 | xxxxxx | Cash From Borrower | 0.00 | 293879.83 | Verified | Field value reflects source document |
| xxxxxx | 836708 | xxxxxx | Original HLTV | 0 | 34.60208 | Verified | Field value reflects source document |
| xxxxxx | 836718 | xxxxxx | Cash From Borrower | 0.00 | 187959.82 | Verified | Field value reflects source document |
| xxxxxx | 836718 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 836741 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 836741 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 836741 | xxxxxx | Cash To Borrower | 232984.00 | 201136.37 | Verified | Field value reflects source document |
| xxxxxx | 836741 | xxxxxx | Original LTV | 22.53521 | 21.32332 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 836741 | xxxxxx | Original CLTV | 74.7376 | 73.38019 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances |
| xxxxxx | 836741 | xxxxxx | Original HLTV | 0 | 21.32332 | Verified | Field value reflects source document |
| xxxxxx | 836745 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 836745 | xxxxxx | Cash To Borrower | 1360000.00 | 1334990.30 | Verified | Field value reflects source document |
| xxxxxx | 836745 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 836752 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 836752 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 836752 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 836752 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 836752 | xxxxxx | Cash From Borrower | 0.00 | 296398.71 | Verified | Field value reflects source document |
| xxxxxx | 836752 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 836766 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 836766 | xxxxxx | Cash To Borrower | 152750.00 | 140981.80 | Verified | Field value reflects source document |
| xxxxxx | 836766 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 836769 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 836769 | xxxxxx | Cash To Borrower | 49246.00 | 50855.92 | Verified | Field value reflects source document |
| xxxxxx | 836769 | xxxxxx | Original CLTV | 47.21187 | 45.2023 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 836769 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 836769 | xxxxxx | Original HLTV | 0 | 16.99491 | Verified | Field value reflects source document |
| xxxxxx | 836774 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 836774 | xxxxxx | Cash From Borrower | 0.00 | 573825.39 | Verified | Field value reflects source document |
| xxxxxx | 836774 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 836779 | xxxxxx | Cash To Borrower | 100000.00 | 95662.66 | Verified | Field value reflects source document |
| xxxxxx | 836779 | xxxxxx | Original HLTV | 0 | 46 | Verified | Field value reflects source document |
| xxxxxx | 836782 | xxxxxx | Cash To Borrower | 250000.00 | 300329.67 | Verified | Field value reflects source document |
| xxxxxx | 836782 | xxxxxx | Original HLTV | 0 | 62.97778 | Verified | Field value reflects source document |
| xxxxxx | 836798 | xxxxxx | Representative FICO | 763 | 803 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 836798 | xxxxxx | Cash To Borrower | 94596.00 | 90847.77 | Verified | Field value reflects source document |
| xxxxxx | 836798 | xxxxxx | Original CLTV | 8.95712 | 38.06012 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 836798 | xxxxxx | Original HLTV | 0 | 8.82096 | Verified | Field value reflects source document |
| xxxxxx | 836844 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 836844 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 836844 | xxxxxx | Representative FICO | 763 | 766 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 836844 | xxxxxx | Cash From Borrower | 0.00 | 218279.41 | Verified | Field value reflects source document |
| xxxxxx | 836844 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 836860 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 836860 | xxxxxx | Cash From Borrower | 0.00 | 177648.69 | Verified | Field value reflects source document |
| xxxxxx | 836860 | xxxxxx | Investor: Qualifying Total Debt Ratio | 42 | 37.943 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 836860 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 836927 | xxxxxx | Cash From Borrower | 0.00 | 99362.23 | Verified | Field value reflects source document |
| xxxxxx | 836927 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 836932 | xxxxxx | Cash From Borrower | 0.00 | 155933.05 | Verified | Field value reflects source document |
| xxxxxx | 836932 | xxxxxx | Investor: Qualifying Total Debt Ratio | 37.6 | 28.17796 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 836932 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 836940 | xxxxxx | Property Type | Single Family Detached | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 836940 | xxxxxx | # of Units | 1 | 3 | Verified | Field value reflects source document |
| xxxxxx | 836940 | xxxxxx | Cash To Borrower | 358829.69 | 348599.07 | Verified | Field value reflects source document |
| xxxxxx | 836940 | xxxxxx | Investor: Qualifying Total Debt Ratio | 38.483 | 31.47724 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 836940 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 836956 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 836956 | xxxxxx | Cash From Borrower | 0.00 | 204861.39 | Verified | Field value reflects source document |
| xxxxxx | 836956 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 837022 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837022 | xxxxxx | Cash From Borrower | 0.00 | 102063.37 | Verified | Field value reflects source document |
| xxxxxx | 837022 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837035 | xxxxxx | Cash From Borrower | 0.00 | 1072591.20 | Verified | Field value reflects source document |
| xxxxxx | 837035 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 837061 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 837061 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837061 | xxxxxx | Cash From Borrower | 0.00 | 267.69 | Verified | Field value reflects source document |
| xxxxxx | 837061 | xxxxxx | Investor: Qualifying Total Debt Ratio | 48.8 | 45.25766 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 837061 | xxxxxx | Original HLTV | 0 | 15.65333 | Verified | Field value reflects source document |
| xxxxxx | 837097 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837097 | xxxxxx | Cash From Borrower | 0.00 | 66377.98 | Verified | Field value reflects source document |
| xxxxxx | 837097 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 837099 | xxxxxx | Cash From Borrower | 0.00 | 343942.46 | Verified | Field value reflects source document |
| xxxxxx | 837099 | xxxxxx | Original HLTV | 0 | 82.99999 | Verified | Field value reflects source document |
| xxxxxx | 837109 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837109 | xxxxxx | First Payment Date |  | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 837109 | xxxxxx | Representative FICO | 797 | 799 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 837109 | xxxxxx | Cash To Borrower | 492209.53 | 491564.53 | Verified | Field value reflects source document |
| xxxxxx | 837109 | xxxxxx | Original HLTV | 0 | 31.25 | Verified | Field value reflects source document |
| xxxxxx | 837129 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837129 | xxxxxx | Cash From Borrower | 0.00 | 111037.35 | Verified | Field value reflects source document |
| xxxxxx | 837129 | xxxxxx | Investor: Qualifying Total Debt Ratio | 41.663 | 49.30119 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 837129 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837154 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837154 | xxxxxx | Cash From Borrower | 0.00 | 487767.29 | Verified | Field value reflects source document |
| xxxxxx | 837154 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837184 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 837184 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837184 | xxxxxx | Cash From Borrower | 0.00 | 208847.75 | Verified | Field value reflects source document |
| xxxxxx | 837184 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 837216 | xxxxxx | Investor: Qualifying Housing Ratio | 48.092 | 31.86194 | Verified | Field value reflects source document |
| xxxxxx | 837234 | xxxxxx | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837234 | xxxxxx | Cash From Borrower | 0.00 | 112435.59 | Verified | Field value reflects source document |
| xxxxxx | 837234 | xxxxxx | Original HLTV | 0 | 51.28205 | Verified | Field value reflects source document |
| xxxxxx | 837305 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 837305 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837305 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 837305 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 837305 | xxxxxx | Cash To Borrower | 888835.00 | 894028.65 | Verified | Field value reflects source document |
| xxxxxx | 837305 | xxxxxx | Original HLTV | 0 | 64.96552 | Verified | Field value reflects source document |
| xxxxxx | 837339 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837339 | xxxxxx | Cash To Borrower | 100000.00 | 102678.87 | Verified | Field value reflects source document |
| xxxxxx | 837339 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 837363 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837363 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 837363 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 837363 | xxxxxx | Cash From Borrower | 0.00 | 87693.92 | Verified | Field value reflects source document |
| xxxxxx | 837363 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837367 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837367 | xxxxxx | Cash From Borrower | 0.00 | 122276.60 | Verified | Field value reflects source document |
| xxxxxx | 837367 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837368 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 837368 | xxxxxx | Cash From Borrower | 0.00 | 96552.40 | Verified | Field value reflects source document |
| xxxxxx | 837368 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837370 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 837370 | xxxxxx | Cash From Borrower | 0.00 | 91292.14 | Verified | Field value reflects source document |
| xxxxxx | 837370 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837378 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837378 | xxxxxx | Cash From Borrower | 0.00 | 231911.03 | Verified | Field value reflects source document |
| xxxxxx | 837378 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837400 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837400 | xxxxxx | Cash From Borrower | 0.00 | 121310.43 | Verified | Field value reflects source document |
| xxxxxx | 837400 | xxxxxx | Investor: Qualifying Total Debt Ratio | 48.49 | 42.39029 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 837400 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837404 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837404 | xxxxxx | Cash To Borrower | 88340.50 | 89753.80 | Verified | Field value reflects source document |
| xxxxxx | 837404 | xxxxxx | Original CLTV | 16.95835 | 72.65028 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 837404 | xxxxxx | Original HLTV | 0 | 16.59341 | Verified | Field value reflects source document |
| xxxxxx | 837447 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837447 | xxxxxx | Cash From Borrower | 0.00 | 88752.76 | Verified | Field value reflects source document |
| xxxxxx | 837447 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 837466 | xxxxxx | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 837466 | xxxxxx | Cash To Borrower | 82957.88 | 57063.72 | Verified | Field value reflects source document |
| xxxxxx | 837466 | xxxxxx | Investor: Qualifying Total Debt Ratio | 28 | 19.83457 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 837466 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 837484 | xxxxxx | Cash To Borrower | 144500.00 | 80503.98 | Verified | Field value reflects source document |
| xxxxxx | 837484 | xxxxxx | Original HLTV | 0 | 16.27778 | Verified | Field value reflects source document |
| xxxxxx | 837486 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837486 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837486 | xxxxxx | Borrower SSN | xxxxxx | xxxxxx | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 837486 | xxxxxx | Representative FICO | 726 | 780 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 837486 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 837486 | xxxxxx | Cash From Borrower | 0.00 | 97973.41 | Verified | Field value reflects source document |
| xxxxxx | 837486 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837523 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837523 | xxxxxx | Cash From Borrower | 0.00 | 92823.70 | Verified | Field value reflects source document |
| xxxxxx | 837523 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 837589 | xxxxxx | Cash From Borrower | 0.00 | 189190.03 | Verified | Field value reflects source document |
| xxxxxx | 837589 | xxxxxx | Investor: Qualifying Total Debt Ratio | 32 | 39.15896 | Verified | 1008 was approved with 39.045%. |
| xxxxxx | 837589 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837653 | xxxxxx | First Payment Date |  | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 837653 | xxxxxx | Cash From Borrower | 0.00 | 308366.42 | Verified | Field value reflects source document |
| xxxxxx | 837653 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837659 | xxxxxx | Representative FICO | 701 | 703 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 837659 | xxxxxx | Cash From Borrower | 0.00 | 233412.90 | Verified | Field value reflects source document |
| xxxxxx | 837659 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837663 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837663 | xxxxxx | Representative FICO | 760 | 767 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 837663 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 837663 | xxxxxx | Cash From Borrower | 0.00 | 174952.84 | Verified | Field value reflects source document |
| xxxxxx | 837663 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837665 | xxxxxx | Cash From Borrower | 0.00 | 156038.97 | Verified | Field value reflects source document |
| xxxxxx | 837665 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 837692 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837692 | xxxxxx | Cash From Borrower | 0.00 | 79863.94 | Verified | Field value reflects source document |
| xxxxxx | 837692 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837694 | xxxxxx | Cash From Borrower | 0.00 | 216232.57 | Verified | Field value reflects source document |
| xxxxxx | 837694 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837696 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837696 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 837696 | xxxxxx | Cash From Borrower | 0.00 | 110154.24 | Verified | Field value reflects source document |
| xxxxxx | 837696 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837720 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837720 | xxxxxx | Cash From Borrower | 0.00 | 92344.26 | Verified | Field value reflects source document |
| xxxxxx | 837720 | xxxxxx | Investor: Qualifying Total Debt Ratio | 39.12 | 36.6066 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 837720 | xxxxxx | Original HLTV | 0 | 79.99995 | Verified | Field value reflects source document |
| xxxxxx | 837725 | xxxxxx | Appraisal Date | 2025-03-12 | 2025-03-19 | Verified | Tape Value reflects Appraisal Effective Date |
| xxxxxx | 837726 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 837726 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837726 | xxxxxx | Subject Debt Service Coverage Ratio | 0.88 | 0.86 | Verified | Due to Roundoff value update as per document. |
| xxxxxx | 837727 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 837727 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837727 | xxxxxx | Appraisal Date | 2025-03-14 | 2025-04-14 | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 837727 | xxxxxx | Subject Debt Service Coverage Ratio | 0.83 | 0.82 | Verified | Rounding off |
| xxxxxx | 837729 | xxxxxx | Appraisal Date | 2025-03-21 | 2025-03-24 | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 837730 | xxxxxx | Appraisal Date | 2025-03-22 | 2025-03-25 | Verified | Tape Value reflects Appraisal Effective Date |
| xxxxxx | 837731 | xxxxxx | Appraisal Date | 2025-03-21 | 2025-03-25 | Verified | Tape Value reflects Appraisal Effective Date |
| xxxxxx | 837731 | xxxxxx | Investor: Qualifying Total Debt Ratio | 30.171 | 32.32354 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 837732 | xxxxxx | Representative FICO | 715 | 729 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 837732 | xxxxxx | Appraisal Date |  | 2025-04-01 | Verified | Tape Value reflects Appraisal Effective Date |
| xxxxxx | 837732 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 837735 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 837735 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837735 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 837735 | xxxxxx | Subject Debt Service Coverage Ratio | 0.95 | 0.92 | Verified | DSCR: Market rent for STR $5597/ $6,059.09 = 0.92% |
| xxxxxx | 837736 | xxxxxx | Investor: Qualifying Total Debt Ratio | 44.657 | 40.22208 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 837738 | xxxxxx | Investor: Qualifying Total Debt Ratio | 38.458 | 40.54206 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 837738 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 837740 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 837742 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 837743 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 837743 | xxxxxx | Subject Debt Service Coverage Ratio | 0.86 | 0.85 | Verified | Due to rounding. |
| xxxxxx | 837745 | xxxxxx | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837745 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 837747 | xxxxxx | Coborrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 837747 | xxxxxx | Coborrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 837747 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 837748 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 837751 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 837757 | xxxxxx | Cash To Borrower | 69841.00 | 70335.10 | Verified | Field value reflects source document |
| xxxxxx | 837757 | xxxxxx | Original HLTV | 0 | 14.38451 | Verified | Field value reflects source document |
| xxxxxx | 837768 | xxxxxx | Cash From Borrower | 0.00 | 387646.66 | Verified | Field value reflects source document |
| xxxxxx | 837768 | xxxxxx | Investor: Qualifying Total Debt Ratio | 17.83 | 29.73425 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 837768 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837784 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 837784 | xxxxxx | Cash From Borrower | 0.00 | 123366.88 | Verified | Field value reflects source document |
| xxxxxx | 837784 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837792 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837792 | xxxxxx | Cash From Borrower | 0.00 | 334846.32 | Verified | Field value reflects source document |
| xxxxxx | 837792 | xxxxxx | Original HLTV | 0 | 60.30696 | Verified | Field value reflects source document |
| xxxxxx | 837800 | xxxxxx | Cash From Borrower | 0.00 | 223585.38 | Verified | Field value reflects source document |
| xxxxxx | 837800 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 837823 | xxxxxx | Cash From Borrower | 0.00 | 144383.85 | Verified | Field value reflects source document |
| xxxxxx | 837823 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 837857 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837857 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837857 | xxxxxx | Cash From Borrower | 0.00 | 110136.74 | Verified | Field value reflects source document |
| xxxxxx | 837857 | xxxxxx | Original HLTV | 0 | 74.98635 | Verified | Field value reflects source document |
| xxxxxx | 837864 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837864 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837864 | xxxxxx | Cash From Borrower | 0.00 | 109607.62 | Verified | Field value reflects source document |
| xxxxxx | 837864 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837874 | xxxxxx | Cash From Borrower | 0.00 | 107030.59 | Verified | Field value reflects source document |
| xxxxxx | 837874 | xxxxxx | Investor: Qualifying Total Debt Ratio | 25 | 20.35146 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 837874 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837888 | xxxxxx | Cash From Borrower | 0.00 | 360916.71 | Verified | Field value reflects source document |
| xxxxxx | 837888 | xxxxxx | Investor: Qualifying Total Debt Ratio | 20 | 22.8898 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 837888 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 837889 | xxxxxx | Investor: Qualifying Housing Ratio | 43.782 | 34.74313 | Verified | Field value reflects source document |
| xxxxxx | 837895 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837895 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 837895 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 837895 | xxxxxx | Cash From Borrower | 0.00 | 95623.67 | Verified | Field value reflects source document |
| xxxxxx | 837895 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837898 | xxxxxx | Cash To Borrower | 844169.00 | 799442.44 | Verified | Field value reflects source document |
| xxxxxx | 837898 | xxxxxx | Investor: Qualifying Total Debt Ratio | 40.01 | 42.57207 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 837898 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 837901 | xxxxxx | Cash From Borrower | 0.00 | 242138.60 | Verified | Field value reflects source document |
| xxxxxx | 837901 | xxxxxx | Investor: Qualifying Total Debt Ratio | 33.41 | 39.4663 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 837901 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837908 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837908 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 837908 | xxxxxx | Cash From Borrower | 0.00 | 65730.06 | Verified | Field value reflects source document |
| xxxxxx | 837908 | xxxxxx | Investor: Qualifying Total Debt Ratio | 33.5 | 39.25603 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 837908 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837938 | xxxxxx | Cash From Borrower | 0.00 | 69015.11 | Verified | Field value reflects source document |
| xxxxxx | 837938 | xxxxxx | Investor: Qualifying Total Debt Ratio | 44.671 | 41.73652 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 837938 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837982 | xxxxxx | Cash To Borrower | 94444.00 | 89092.23 | Verified | Field value reflects source document |
| xxxxxx | 837982 | xxxxxx | Original HLTV | 0 | 51.85185 | Verified | Field value reflects source document |
| xxxxxx | 838060 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 838060 | xxxxxx | Cash From Borrower | 0.00 | 171292.95 | Verified | Field value reflects source document |
| xxxxxx | 838060 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 838063 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838063 | xxxxxx | Cash From Borrower | 0.00 | 67925.63 | Verified | Field value reflects source document |
| xxxxxx | 838063 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 838066 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49.394 | 45.15067 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 838066 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 838079 | xxxxxx | Cash From Borrower | 0.00 | 50472.58 | Verified | Field value reflects source document |
| xxxxxx | 838079 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 838086 | xxxxxx | Cash From Borrower | 0.00 | 395099.33 | Verified | Field value reflects source document |
| xxxxxx | 838086 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 838099 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 838099 | xxxxxx | Cash From Borrower | 0.00 | 76158.73 | Verified | Field value reflects source document |
| xxxxxx | 838099 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 838102 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 838102 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838102 | xxxxxx | Cash To Borrower | 272688.25 | 270106.50 | Verified | Field value reflects source document |
| xxxxxx | 838102 | xxxxxx | Original HLTV | 0 | 64.58333 | Verified | Field value reflects source document |
| xxxxxx | 838122 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 838122 | xxxxxx | Cash From Borrower | 0.00 | 163368.73 | Verified | Field value reflects source document |
| xxxxxx | 838122 | xxxxxx | Investor: Qualifying Total Debt Ratio | 15 | 11.80249 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 838122 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 838125 | xxxxxx | Cash To Borrower | 82625.08 | 77375.73 | Verified | Field value reflects source document |
| xxxxxx | 838125 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 838128 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 838128 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838128 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 838128 | xxxxxx | Cash To Borrower | 785972.00 | 704413.96 | Verified | Field value reflects source document |
| xxxxxx | 838128 | xxxxxx | Investor: Qualifying Total Debt Ratio | 16.34 | 13.25166 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 838128 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 838129 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 838129 | xxxxxx | Cash From Borrower | 0.00 | 110159.34 | Verified | Field value reflects source document |
| xxxxxx | 838129 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 838132 | xxxxxx | Property Type |  | Condo (Mid Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838132 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 838132 | xxxxxx | Cash From Borrower | 0.00 | 324462.88 | Verified | Field value reflects source document |
| xxxxxx | 838132 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 838135 | xxxxxx | Cash To Borrower | 32101.00 | 31455.45 | Verified | Field value reflects source document |
| xxxxxx | 838135 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 838138 | xxxxxx | Cash From Borrower | 0.00 | 337148.43 | Verified | Field value reflects source document |
| xxxxxx | 838138 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 838160 | xxxxxx | Cash To Borrower | 9878.00 | 1086.09 | Verified | Field value reflects source document |
| xxxxxx | 838160 | xxxxxx | Original HLTV | 0 | 77.42857 | Verified | Field value reflects source document |
| xxxxxx | 838166 | xxxxxx | Cash From Borrower | 0.00 | 55420.73 | Verified | Field value reflects source document |
| xxxxxx | 838166 | xxxxxx | Investor: Qualifying Total Debt Ratio | 39.709 | 19.95114 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 838166 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 838190 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838190 | xxxxxx | Cash To Borrower | 75000.00 | 70052.81 | Verified | Field value reflects source document |
| xxxxxx | 838190 | xxxxxx | Original HLTV | 0 | 11.53846 | Verified | Field value reflects source document |
| xxxxxx | 838205 | xxxxxx | Cash From Borrower | 0.00 | 186967.69 | Verified | Field value reflects source document |
| xxxxxx | 838205 | xxxxxx | Investor: Qualifying Total Debt Ratio | 43 | 30.09897 | Verified | 1008 approved at 30.31% DTI. |
| xxxxxx | 838205 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 838280 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838280 | xxxxxx | PMI Company | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 838280 | xxxxxx | Cash From Borrower | 0.00 | 89525.79 | Verified | Field value reflects source document |
| xxxxxx | 838280 | xxxxxx | Investor: Qualifying Total Debt Ratio | 51.65 | 48.75538 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 838280 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 838281 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838281 | xxxxxx | Cash To Borrower | 397178.00 | 360464.00 | Verified | Field value reflects source document |
| xxxxxx | 838281 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 838284 | xxxxxx | Cash From Borrower | 0.00 | 128501.26 | Verified | Field value reflects source document |
| xxxxxx | 838284 | xxxxxx | Investor: Qualifying Total Debt Ratio | 29.58 | 24.81862 | Verified | Audit income |
| xxxxxx | 838284 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 838336 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838336 | xxxxxx | Cash From Borrower | 0.00 | 33057.54 | Verified | Field value reflects source document |
| xxxxxx | 838336 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 838346 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 838346 | xxxxxx | Cash From Borrower | 0.00 | 92350.00 | Verified | Field value reflects source document |
| xxxxxx | 838346 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 838373 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 838386 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 838386 | xxxxxx | Representative FICO | 765 | 790 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 838386 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838386 | xxxxxx | Cash From Borrower | 0.00 | 106759.97 | Verified | Field value reflects source document |
| xxxxxx | 838386 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 838428 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 838428 | xxxxxx | Representative FICO | 751 | 785 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 838428 | xxxxxx | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 838428 | xxxxxx | Cash To Borrower | 238275.16 | 240794.16 | Verified | Field value reflects source document |
| xxxxxx | 838428 | xxxxxx | Investor: Qualifying Total Debt Ratio | 28.56 | 26.44136 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 838428 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 838443 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838443 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 838443 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838443 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 838443 | xxxxxx | Cash From Borrower | 0.00 | 63189.66 | Verified | Field value reflects source document |
| xxxxxx | 838443 | xxxxxx | Original HLTV | 0 | 79.99987 | Verified | Field value reflects source document |
| xxxxxx | 838468 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838468 | xxxxxx | Cash From Borrower | 0.00 | 142448.09 | Verified | Field value reflects source document |
| xxxxxx | 838468 | xxxxxx | Original HLTV | 0 | 63.18841 | Verified | Field value reflects source document |
| xxxxxx | 838474 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 838474 | xxxxxx | Cash From Borrower | 0.00 | 143976.45 | Verified | Field value reflects source document |
| xxxxxx | 838474 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 838480 | xxxxxx | Cash From Borrower | 0.00 | 93685.01 | Verified | Field value reflects source document |
| xxxxxx | 838480 | xxxxxx | Investor: Qualifying Total Debt Ratio | 38.14 | 35.06173 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 838480 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 838486 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838486 | xxxxxx | Cash From Borrower | 0.00 | 234071.66 | Verified | Field value reflects source document |
| xxxxxx | 838486 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 838489 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 838489 | xxxxxx | Cash From Borrower | 0.00 | 470496.65 | Verified | Field value reflects source document |
| xxxxxx | 838489 | xxxxxx | Investor: Qualifying Total Debt Ratio | 40.379 | 38.13041 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 838489 | xxxxxx | Original HLTV | 0 | 39.92395 | Verified | Field value reflects source document |
| xxxxxx | 838505 | xxxxxx | Cash From Borrower | 0.00 | 205133.36 | Verified | Field value reflects source document |
| xxxxxx | 838505 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 838521 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838521 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838521 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 838521 | xxxxxx | Cash From Borrower | 0.00 | 431437.83 | Verified | Field value reflects source document |
| xxxxxx | 838521 | xxxxxx | Original HLTV | 0 | 79.68338 | Verified | Field value reflects source document |
| xxxxxx | 838533 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838533 | xxxxxx | Cash To Borrower | 1890000.00 | 828594.34 | Verified | Field value reflects source document |
| xxxxxx | 838533 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 838538 | xxxxxx | Representative FICO | 787 | 789 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 838538 | xxxxxx | Cash From Borrower | 0.00 | 1171854.49 | Verified | Field value reflects source document |
| xxxxxx | 838538 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 838560 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 838560 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838560 | xxxxxx | Cash From Borrower | 0.00 | 99936.62 | Verified | Field value reflects source document |
| xxxxxx | 838560 | xxxxxx | Investor: Qualifying Total Debt Ratio | 20 | 29.55921 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 838560 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 838583 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 838583 | xxxxxx | Cash From Borrower | 0.00 | 123434.75 | Verified | Field value reflects source document |
| xxxxxx | 838583 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 838606 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838606 | xxxxxx | Cash To Borrower | 0.00 | 43546.62 | Verified | Field value reflects source document |
| xxxxxx | 838606 | xxxxxx | Original HLTV | 0 | 47.54098 | Verified | Field value reflects source document |
| xxxxxx | 838665 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838665 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 838665 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 838665 | xxxxxx | Cash From Borrower | 0.00 | 1699743.86 | Verified | Field value reflects source document |
| xxxxxx | 838665 | xxxxxx | Investor: Qualifying Total Debt Ratio | 35.496 | 33.04967 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 838665 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 838666 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 838666 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 838666 | xxxxxx | Cash To Borrower | 1999000.00 | 1890815.16 | Verified | Field value reflects source document |
| xxxxxx | 838666 | xxxxxx | Original HLTV | 0 | 43.0549 | Verified | Field value reflects source document |
| xxxxxx | 838671 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 838671 | xxxxxx | Cash To Borrower | 0.00 | 1994.25 | Verified | Field value reflects source document |
| xxxxxx | 838671 | xxxxxx | Original HLTV | 0 | 72.60788 | Verified | Field value reflects source document |
| xxxxxx | 838677 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838677 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 838677 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838677 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 838677 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 838677 | xxxxxx | Cash From Borrower | 0.00 | 505179.79 | Verified | Field value reflects source document |
| xxxxxx | 838677 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 838690 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 838740 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 838740 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 838740 | xxxxxx | Cash From Borrower | 0.00 | 75571.43 | Verified | Field value reflects source document |
| xxxxxx | 838740 | xxxxxx | Investor: Qualifying Total Debt Ratio | 12.164 | 19.5554 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 838740 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 838752 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 838752 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838752 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 838752 | xxxxxx | Cash From Borrower | 0.00 | 89067.74 | Verified | Field value reflects source document |
| xxxxxx | 838752 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 838761 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838761 | xxxxxx | Cash From Borrower | 0.00 | 476168.70 | Verified | Field value reflects source document |
| xxxxxx | 838761 | xxxxxx | Investor: Qualifying Total Debt Ratio | 31.545 | 25.52752 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 838761 | xxxxxx | Original HLTV | 0 | 79.99998 | Verified | Field value reflects source document |
| xxxxxx | 838776 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 838841 | xxxxxx | Cash From Borrower | 0.00 | 135178.60 | Verified | Field value reflects source document |
| xxxxxx | 838841 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 839323 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 839323 | xxxxxx | Cash From Borrower | 0.00 | 213147.55 | Verified | Field value reflects source document |
| xxxxxx | 839323 | xxxxxx | Investor: Qualifying Total Debt Ratio | 43.781 | 46.24892 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 839323 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 839336 | xxxxxx | Cash From Borrower | 0.00 | 229924.17 | Verified | Field value reflects source document |
| xxxxxx | 839336 | xxxxxx | Investor: Qualifying Total Debt Ratio | 42.741 | 40.17032 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 839336 | xxxxxx | Original HLTV | 0 | 52.24719 | Verified | Field value reflects source document |
| xxxxxx | 839358 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 839358 | xxxxxx | Cash From Borrower | 0.00 | 159575.09 | Verified | Field value reflects source document |
| xxxxxx | 839358 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 839368 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 839368 | xxxxxx | Cash From Borrower | 0.00 | 109434.64 | Verified | Field value reflects source document |
| xxxxxx | 839368 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 839370 | xxxxxx | Cash From Borrower | 0.00 | 205314.99 | Verified | Field value reflects source document |
| xxxxxx | 839370 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 839440 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 839440 | xxxxxx | Cash To Borrower | 0.00 | 353781.19 | Verified | Field value reflects source document |
| xxxxxx | 839440 | xxxxxx | Investor: Qualifying Total Debt Ratio | 50.32 | 47.97782 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 839440 | xxxxxx | Original HLTV | 0 | 70.13043 | Verified | Field value reflects source document |
| xxxxxx | 839481 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 839481 | xxxxxx | Cash To Borrower | 777131.00 | 708038.46 | Verified | Field value reflects source document |
| xxxxxx | 839481 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 839481 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 839496 | xxxxxx | Cash To Borrower | 159618.00 | 158894.11 | Verified | Field value reflects source document |
| xxxxxx | 839496 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 839497 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 839497 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 839497 | xxxxxx | Cash From Borrower | 0.00 | 351420.10 | Verified | Field value reflects source document |
| xxxxxx | 839497 | xxxxxx | Investor: Qualifying Total Debt Ratio | 36.8 | 34.61652 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 839497 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 839511 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 839511 | xxxxxx | Cash To Borrower | 0.00 | 736.75 | Verified | Field value reflects source document |
| xxxxxx | 839511 | xxxxxx | Investor: Qualifying Total Debt Ratio | 43.79 | 38.37757 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 839511 | xxxxxx | Original HLTV | 0 | 74.07809 | Verified | Field value reflects source document |
| xxxxxx | 839555 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 839555 | xxxxxx | Cash From Borrower | 0.00 | 55351.09 | Verified | Field value reflects source document |
| xxxxxx | 839555 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 839752 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 839752 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 839752 | xxxxxx | Cash To Borrower | 140351.00 | 127691.63 | Verified | Field value reflects source document |
| xxxxxx | 839752 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 839779 | xxxxxx | Cash From Borrower | 0.00 | 54439.29 | Verified | Field value reflects source document |
| xxxxxx | 839779 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 839822 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 839822 | xxxxxx | Cash From Borrower | 0.00 | 289741.63 | Verified | Field value reflects source document |
| xxxxxx | 839822 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 839931 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 839931 | xxxxxx | Cash From Borrower | 0.00 | 147378.44 | Verified | Field value reflects source document |
| xxxxxx | 839931 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 839932 | xxxxxx | Cash From Borrower | 0.00 | 8556.52 | Verified | Field value reflects source document |
| xxxxxx | 839932 | xxxxxx | Original HLTV | 0 | 74.97537 | Verified | Field value reflects source document |
| xxxxxx | 839934 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 839934 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 839934 | xxxxxx | Cash To Borrower | 551822.00 | 407402.72 | Verified | Field value reflects source document |
| xxxxxx | 839934 | xxxxxx | Investor: Qualifying Total Debt Ratio | 42.82 | 25.78174 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 839934 | xxxxxx | Original HLTV | 0 | 68.54167 | Verified | Field value reflects source document |
| xxxxxx | 839940 | xxxxxx | Cash From Borrower | 0.00 | 295944.12 | Verified | Field value reflects source document |
| xxxxxx | 839940 | xxxxxx | Investor: Qualifying Total Debt Ratio | 34.14 | 38.66766 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 839940 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 839942 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 839942 | xxxxxx | Cash From Borrower | 0.00 | 143321.29 | Verified | Field value reflects source document |
| xxxxxx | 839942 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 839944 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 839944 | xxxxxx | Cash From Borrower | 0.00 | 170044.58 | Verified | Field value reflects source document |
| xxxxxx | 839944 | xxxxxx | Original HLTV | 0 | 74.99597 | Verified | Field value reflects source document |
| xxxxxx | 839947 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 839947 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 839947 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 839947 | xxxxxx | Cash From Borrower | 0.00 | 139433.58 | Verified | Field value reflects source document |
| xxxxxx | 839947 | xxxxxx | Original HLTV | 0 | 69.99986 | Verified | Field value reflects source document |
| xxxxxx | 839948 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 839948 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 839948 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 839948 | xxxxxx | Cash From Borrower | 0.00 | 631680.38 | Verified | Field value reflects source document |
| xxxxxx | 839948 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 839949 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 839949 | xxxxxx | Cash From Borrower | 0.00 | 204214.73 | Verified | Field value reflects source document |
| xxxxxx | 839949 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 839954 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 839954 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 839954 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 839954 | xxxxxx | Cash From Borrower | 0.00 | 105431.22 | Verified | Field value reflects source document |
| xxxxxx | 839954 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 839961 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 839961 | xxxxxx | Cash From Borrower | 0.00 | 114115.45 | Verified | Field value reflects source document |
| xxxxxx | 839961 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 839966 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 839966 | xxxxxx | First Payment Date |  | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 839966 | xxxxxx | Cash To Borrower | 207995.00 | 207994.01 | Verified | Field value reflects source document |
| xxxxxx | 839966 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 839980 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 839980 | xxxxxx | Cash From Borrower | 0.00 | 88356.60 | Verified | Field value reflects source document |
| xxxxxx | 839980 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 840169 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 840182 | xxxxxx | Cash From Borrower | 0.00 | 76505.27 | Verified | Field value reflects source document |
| xxxxxx | 840182 | xxxxxx | Investor: Qualifying Total Debt Ratio | 44.97 | 47.34354 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 840182 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 840437 | xxxxxx | Cash From Borrower | 0.00 | 66476.22 | Verified | Field value reflects source document |
| xxxxxx | 840437 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 840667 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 840667 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 840667 | xxxxxx | Cash From Borrower | 0.00 | 125241.21 | Verified | Field value reflects source document |
| xxxxxx | 840667 | xxxxxx | Investor: Qualifying Total Debt Ratio | 35.01 | 37.21953 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 840667 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 840681 | xxxxxx | Cash From Borrower | 0.00 | 324067.79 | Verified | Field value reflects source document |
| xxxxxx | 840681 | xxxxxx | Investor: Qualifying Total Debt Ratio | 40.77 | 35.36018 | Verified | 1008 was approved at 35.29% |
| xxxxxx | 840681 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 841292 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 841292 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 841292 | xxxxxx | Cash From Borrower | 0.00 | 395887.80 | Verified | Field value reflects source document |
| xxxxxx | 841292 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 841297 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 841297 | xxxxxx | Cash From Borrower | 0.00 | 454428.61 | Verified | Field value reflects source document |
| xxxxxx | 841297 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |

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## Exhibit 99.3

**EXHIBIT 99.3**

**AMC Exception Grades**

![](tm2521783d1_ex99-03img01.jpg)

**Exception Grades**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Moody's Initial Exception Rating** | **Moody's Final Exception Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Compliance<br> Initial Loan Grade** | **Compliance<br> Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** | **Scope** |
| xxxxxx | 814870 | xxxxxx | 31026652 | xxxxxx | 07/08/2024 | Credit | Guideline | Guideline Issue | Guideline | More than 3 NSFs/Overdraft Transfers occurred in the most recent 12-month period. |  | Investor Exception - Loan exceeds the NSF tolerance for eligibility. 15 NSF occurrences in the last 12 months. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Reviewer Comment (2024-07-08): Client elects to waive with verified compensation factors |  |  | 07/08/2024 | 2 B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 814870 | xxxxxx | 31026665 | xxxxxx | 07/08/2024 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2024-07-18): Received E-Sign Consent Agreement. | 07/18/2024 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 814870 | xxxxxx | 31026821 | xxxxxx | 07/08/2024 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 11.69489% or Final Disclosure APR of 11.70900% is equal to or greater than the threshold of APOR 6.95% + 3.5%, or 10.45000%. Non-Compliant Higher Priced Mortgage Loan. | The application is dated xxxxxx and the appraisal disclosure was not provided until xxxxxx . |  | Reviewer Comment (2024-08-12): Client elects to waive. SOL 1 year. Expires xxxxxx<br>Reviewer Comment (2024-07-19): Condition correlates to the Right to Receive appraisal disclosure. Will be addressed upon receipt of disclosure dated within 3 business days of application date. |  |  | 08/12/2024 | 2 C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 814870 | xxxxxx | 31026827 | xxxxxx | 07/08/2024 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of on Final Closing Disclosure provided on xxxxxx are underdisclosed (Final xxxxxx) | The final Closing Disclosure did not provide the taxes and insurance information. |  | Reviewer Comment (2024-07-11): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2024-07-09): SitusAMC received PCCD. Missing LOE to borrower. |  | 07/11/2024 |  | 2 C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 814870 | xxxxxx | 31026828 | xxxxxx | 07/08/2024 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial xxxxxx) | The application is dated xxxxxx and the Loan Estimate was not provided until xxxxxx . |  | Reviewer Comment (2024-08-12): Client elects to waive. SOL 1 year. Expires xxxxxx<br>Reviewer Comment (2024-07-19): The timing for the LE under § 1026.19(e)(1)(iii) is three business days from application. In the event a mortgage broker receives the six pieces of information that constitute an application, the timing will start from the time the broker receives the application under § 1026.19(e)(1)(ii). As a result, the timing for the initial LE on wholesale loans is the earlier of the creditor or broker application date. On this loan, the LE should have been issued within 3 business days of the application date of xxxxxx . |  |  | 08/12/2024 | 2 C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 814870 | xxxxxx | 31026845 | xxxxxx | 07/08/2024 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | The application is dated xxxxxx and the appraisal disclosure was not provided until xxxxxx . |  | Reviewer Comment (2024-07-08): Client elects to waive |  |  | 07/08/2024 | 2 B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 814870 | xxxxxx | 31026846 | xxxxxx | 07/08/2024 | Compliance | Compliance | Federal Compliance | TRID | TIL HPML Appraisal Disclosure - HPML Timing | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | The application is dated xxxxxx and the appraisal disclosure was not provided until xxxxxx . |  | Reviewer Comment (2024-08-12): Client elects to waive. SOL 1 year. Expires xxxxxx<br>Reviewer Comment (2024-07-19): The timing for the LE under § 1026.19(e)(1)(iii) is three business days from application. In the event a mortgage broker receives the six pieces of information that constitute an application, the timing will start from the time the broker receives the application under § 1026.19(e)(1)(ii). As a result, the timing for the initial LE on wholesale loans is the earlier of the creditor or broker application date. On this loan, the LE should have been issued within 3 business days of the application date of xxxxxx . |  |  | 08/12/2024 | 2 C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 814870 | xxxxxx | 31026847 | xxxxxx | 07/08/2024 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | The application is dated xxxxxx and the List of Homeownership Counseling Organizations was not provided until xxxxxx . |  | Reviewer Comment (2024-07-08): Client elects to waive |  |  | 07/08/2024 | 2 B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 814870 | xxxxxx | 31026848 | xxxxxx | 07/08/2024 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxxxx disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. (Final xxxxxx) | The final Closing Disclosure did not provide the taxes and insurance information. |  | Reviewer Comment (2024-07-11): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2024-07-09): SitusAMC received PCCD. Missing LOE to borrower. |  | 07/11/2024 |  | 2 C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 814870 | xxxxxx | 31026849 | xxxxxx | 07/08/2024 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. (Final xxxxxx) | The final Closing Disclosure did not provide the taxes and insurance information. |  | Reviewer Comment (2024-07-11): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2024-07-09): SitusAMC received PCCD. Missing LOE to borrower. |  | 07/11/2024 |  | 2 C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 814870 | xxxxxx | 31026853 | xxxxxx | 07/08/2024 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. (Final xxxxxx) | The final Closing Disclosure did not provide the reason for not having an escrow account established. |  | Reviewer Comment (2024-07-11): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2024-07-09): SitusAMC received PCCD. Missing LOE to borrower. |  | 07/11/2024 |  | 2 C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 814870 | xxxxxx | 31054904 | xxxxxx | 07/08/2024 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included. The following are missing: Settlement Agent, xxxxxx. |  | Reviewer Comment (2024-07-19): Received OFAC Search run on Settlement Agent, xxxxxx. Exception cleared. | 07/19/2024 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 814870 | xxxxxx | 31062957 | xxxxxx | 07/08/2024 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Provide the CPA's license number. |  | Reviewer Comment (2024-07-18): CPA license number provided | 07/18/2024 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 816048 | xxxxxx | 31330261 | xxxxxx | 07/23/2024 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $12,196.49 is less than Cash From Borrower $440,135.42. | Documented qualifying Assets for Closing of $12,196.49 is less than Cash From Borrower $440,135.42. |  | Reviewer Comment (2024-08-05): As per closing settlement statement updated correct amount of $167,925.11. Exception cleared.<br>Reviewer Comment (2024-07-31): After capturing the provided recent closing statement total asset verified are $363,579.70. Cash to Close is $430,135.42 +9,337.98) = 4439,473.4. We need additional assets to meet the cash to close and reserve requirements. Exception remains.<br>Reviewer Comment (2024-07-26): Provided closing statement is insufficient to cover Cash From Borrower. Require $232,637.03 to cover cash from borrower. Exception Remains. | 08/05/2024 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 816048 | xxxxxx | 31330262 | xxxxxx | 07/23/2024 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient. Require verification of policy with sufficient coverage OR copy of insurer's replacement cost estimate supporting current coverage amount. |  | Reviewer Comment (2024-08-02): Loan amount is covered by dwelling. Exception Cleared.<br>Reviewer Comment (2024-07-26): Provided hazard insurance document is already in file. Require verification of policy with sufficient coverage Or copy of insurer's replacement cost estimate supporting current coverage amount. Exception Remains. | 08/02/2024 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 816048 | xxxxxx | 31330263 | xxxxxx | 07/23/2024 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 3.00. |  |  | Reviewer Comment (2024-08-05): As per closing settlement statement updated correct cash to close amount of $167,925.11.<br>Reviewer Comment (2024-07-31): After capturing the provided recent closing statement total asset verified are $363,579.70. Cash to Close is $430,135.42 +9,337.98) = 4439,473.4. We need additional assets to meet the cash to close and reserve requirements. Exception remains.<br>Reviewer Comment (2024-07-26): Provided closing statement is insufficient to cover Cash From Borrower. Require $232,637.03 to cover cash from borrower. Exception Remains. | 08/05/2024 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 816048 | xxxxxx | 31330264 | xxxxxx | 07/23/2024 | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require | $9,337.98, and verified reserves are $0.00. |  |  | Reviewer Comment (2024-08-05): As per closing settlement statement updated correct cash to close amount of $167,925.11.<br>Reviewer Comment (2024-07-31): After capturing the provided recent closing statement total asset verified are $363,579.70. Cash to Close is $430,135.42 +9,337.98) = 4439,473.4. We need additional assets to meet the cash to close and reserve requirements. Exception remains.<br>Reviewer Comment (2024-07-26): Provided closing statement is insufficient to cover Cash From Borrower. Require $232,637.03 to cover cash from borrower. Exception Remains. | 08/05/2024 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 816048 | xxxxxx | 31330265 | xxxxxx | 07/23/2024 | Credit | Business Purpose | General | Business Purpose | Insufficient funds for Reserves. | Guidelines require $9,337.98 of reserves, and verified reserves are $0.00. |  |  | Reviewer Comment (2024-08-05): As per closing settlement statement updated correct cash to close amount of $167,925.11.<br>Reviewer Comment (2024-07-31): After capturing the provided recent closing statement total asset verified are $363,579.70. Cash to Close is $430,135.42 +9,337.98) = 4439,473.4. We need additional assets to meet the cash to close and reserve requirements. Exception remains.<br>Reviewer Comment (2024-07-26): Provided closing statement is insufficient to cover Cash From Borrower. Require $232,637.03 to cover cash from borrower. Exception Remains. | 08/05/2024 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 828059 | xxxxxx | 33505973 | xxxxxx | 05/28/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | A PUD rider is attached to the DOT, however the appraisal does not reflect PUD or HOA dues. |  | Reviewer Comment (2025-06-04): Updated appraisal provided | 06/04/2025 |  |  | 1 D A | D | A D | xxxxxx | xxxxxx | Primary | Purchase | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 828059 | xxxxxx | 33506050 | xxxxxx | 05/28/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2025-06-04): Received UDM report dated xxxxxx . Exception cleared. | 06/04/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 828059 | xxxxxx | 33506209 | xxxxxx | 05/28/2025 | Compliance | Compliance | Federal Compliance | TILA | Federal Loan Originator Compensation - Individual LO Not xxxxxx Licensed at Time of Application | Truth in Lending Act (xxxxxxR Dodd- Frank 2014): Individual Loan Originator not xxxxxx licensed or registered at time of application. | Per the xxxxxx, the Loan Originator was not licensed to conduct business until xxxxxx . License must be active from time of application through time of closing. The initial application was taken by a different LO than on the final documents. Provide the attestation for review as to when the LO changed and verifying if any business was conducted by the current LO up until licensing was active. |  | Reviewer Comment (2025-06-03): Attestation received that LO did not perform any MLO activity until in active status.<br>Reviewer Comment (2025-06-02): The LOE is not acceptable. An attestation from the current LO needs to be provided noting if any business was conducted by them on the file prior to licensing being active. | 06/03/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 828059 | xxxxxx | 33521909 | xxxxxx | 05/28/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | 1099 program permitted for individual(s) earning 100% commission or for independent contractors. The 1099's are paid to an LLC vs individual. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-29): Client elects to waive with verified compensation factors |  |  | 05/29/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 828059 | xxxxxx | 33522161 | xxxxxx | 05/28/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 45.78519% exceeds Guideline total debt ratio of 45.00000%. | Max DTI is 45% for FTHB. Investor exception in file, however comp factors are incorrect. Residual income is not 1.5x the amount required above the max. Provide the updated exception form. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-29): Client elects with verified compensation factors |  |  | 05/29/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 828059 | xxxxxx | 33522164 | xxxxxx | 05/28/2025 | Compliance | Compliance | Federal Compliance | Other TILA Violations | TILA xxxxxxR - Individual Originator License Status Not Approved | Truth in Lending Act (xxxxxxR Dodd- Frank 2014): Individual Loan Originator not in approved license status to conduct loan origination activities. | Per the xxxxxx, the Loan Originator was not licensed to conduct business until xxxxxx . License must be active from time of application through time of closing. The initial application was taken by a different LO than on the final documents. Provide the attestation for review as to when the LO changed and verifying if any business was conducted by the current LO up until licensing was active. |  | Reviewer Comment (2025-06-03): Attestation received that LO did not perform any MLO activity until in active status.<br>Reviewer Comment (2025-06-02): The LOE is not acceptable. An attestation from the current LO needs to be provided noting if any business was conducted by them on the file prior to licensing being active. | 06/03/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 828059 | xxxxxx | 33522165 | xxxxxx | 05/28/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Max DTI is 45% for FTHB. |  | Reviewer Comment (2025-05-29): Loan designation updated to Non-QM. Condition no longer applies. | 05/29/2025 |  |  | 1 B A C | C | A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 828059 | xxxxxx | 33522166 | xxxxxx | 05/28/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 45.78519% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Max DTI is 45% for FTHB. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-29): Client elects with verified compensation factors |  |  | 05/29/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 828059 | xxxxxx | 33522167 | xxxxxx | 05/28/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $175.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103) | The subject to appraisal was received xxxxxx . The fee was not disclosed until xxxxxx which is outside of the 3 day timing requirement. |  | Reviewer Comment (2025-06-11): SitusAMC received rebuttal comment and as per the COC dated xxxxxx .<br>Reviewer Comment (2025-06-02): SItusAMC received LE and COC which are already in file. However, the reason provided on COC dated xxxxxx is not sufficient for adding Appraisal Re-inspection fee of $240 on LE dated xxxxxx . Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs. | 06/11/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 828059 | xxxxxx | 33522168 | xxxxxx | 05/28/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Max DTI is 45% for FTHB. |  | Reviewer Comment (2025-05-29): Loan designation updated to Non-QM. Condition no longer applies. | 05/29/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 828231 | xxxxxx | 33272946 | xxxxxx | 04/17/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-04-21): Received E-sign Consent Agreement. Exception cleared. | 04/21/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 828231 | xxxxxx | 33273914 | xxxxxx | 04/17/2025 | Compliance | Compliance | State Compliance | Misc. State Level | xxxxxx Counseling Agencies Disclosure Not in File | xxxxxx HB1399 - No evidence of required counseling disclosure language per xxxxxx HB 1399. |  |  | Reviewer Comment (2025-04-15): Client elects to waive |  |  | 04/15/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 828231 | xxxxxx | 33276973 | xxxxxx | 04/17/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | A third-party VOR is required for any file when the borrower is currently renting. Ledger, Lease, and LOE provided stating the do not completed third party forms, however this is not acceptable as it does not meet the guideline requirements then. . |  | Reviewer Comment (2025-04-23): Per client email received, the guidelines do not reflect a xxxxxx VOR form needs to be completed and other third party documents are acceptable. Ledger, Lease and LOE provided. | 04/23/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 828231 | xxxxxx | 33281548 | xxxxxx | 04/17/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title: City reflects xxxxxx vs. Note which reflects xxxxxx |  | Reviewer Comment (2025-04-28): Email from title with corrections provided<br>Reviewer Comment (2025-04-24): The correct and incorrect title polices are dated and time stamped the same. Provide evidence of which was provided last (i.e. email from title).<br>Reviewer Comment (2025-04-18): Address affidavit does not clear this condition. All addresses must match. | 04/28/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 828644 | xxxxxx | 33249468 | xxxxxx | 04/17/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on settlement agent, xxxxxx |  | Reviewer Comment (2025-04-22): Received HUD/GSA/LDP. Exception cleared.<br>Reviewer Comment (2025-04-21): Received OFAC search run on settlement agent, xxxxxx. Provide HUD/GSA/LDP or updated fraud report. Exception remains. | 04/22/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A C |  | N/A | No | Property Focused |
| xxxxxx | 828644 | xxxxxx | 33249624 | xxxxxx | 04/17/2025 | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  | The CDA reflects an appraisal was reviewed with an effective date of xxxxxx . The appraisal in file has an effective date of xxxxxx , which is a completely different appraisal. |  | Reviewer Comment (2025-04-22): Appraisal provided<br>Reviewer Comment (2025-04-18): An updated CDA does not clear this condition. There is evidence a new appraisal was completed for this loan with different effective dates. The xxxxxx appraisal must be provided for review a this is not an updated appraisal but a whole different appraisal. | 04/22/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A C |  | N/A | No | Property Focused |
| xxxxxx | 828644 | xxxxxx | 33249733 | xxxxxx | 04/17/2025 | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit | Valuation Type: Appraisal / Valuation Report date: xxxxxx | The 1004D recert of value reflects it is for an appraisal with an effective date of xxxxxx . The appraisal we have in file has an effective date of xxxxxx , which is a completely different appraisal. |  | Reviewer Comment (2025-04-18): 1004D provided for xxxxxx appraisal | 04/18/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A C |  | N/A | No | Property Focused |
| xxxxxx | 828644 | xxxxxx | 33249784 | xxxxxx | 04/17/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 669 is less than Guideline representative FICO score of 680. | 680 minimum FICO for first time investor. |  | Reviewer Comment (2025-04-21): Updated pre-close scored credit report provided with updated scores.<br>Reviewer Comment (2025-04-18): No new documents received. Please try uploading again. | 04/21/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A C |  | N/A | No | Property Focused |
| xxxxxx | 828644 | xxxxxx | 33279421 | xxxxxx | 04/17/2025 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | Cash-out not eligible for 1st time investor |  | Reviewer Comment (2025-04-29): Property profile report, Lender LOE and deeds provided to support borrower was deeded on xxxxxx, then property was heired to two non-borrowing individuals on xxxxxx and the back borrower as well on xxxxxx.<br>Reviewer Comment (2025-04-24): Based on the property profile report provided, the borrower was deeded on xxxxxx with recording of deed on xxxxxx and then deeded off the same day with recording of deed xxxxxx . The current and only owner is xxxxxx.<br>Reviewer Comment (2025-04-22): There is no property profile report in file. Provide for review. | 04/29/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A C |  | N/A | No | Property Focused |
| xxxxxx | 829540 | xxxxxx | 33244156 | xxxxxx | 04/16/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  |  |  | Reviewer Comment (2025-04-17): Final SS provided | 04/17/2025 |  |  | 1 D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 829540 | xxxxxx | 33247708 | xxxxxx | 04/16/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxxxx Judgment in the amount of $xxxxxx (item 21). Final HUD not provided to determine if paid through closing. |  | Reviewer Comment (2025-04-18): Supplement provided reflecting item is deleted. | 04/18/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 829540 | xxxxxx | 33248395 | xxxxxx | 04/16/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provided VOR and 5 months receipt of rental payments for borrower's primary residence. Pending receipt of 8/2024 payment. |  | Reviewer Comment (2025-04-21): Received Cashier's Check verifying July, Aug and Sep rent payment. Exception cleared. | 04/21/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 829540 | xxxxxx | 33248502 | xxxxxx | 04/16/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  | Refinance only is not checked. |  | Reviewer Comment (2025-04-17): Updated NOO provided | 04/17/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 829540 | xxxxxx | 33308572 | xxxxxx | 04/18/2025 | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | There are two PPP addendums to the Note in file and 2 PPP riders to the DOT in file. One reflects PPP on original loan amount and the other on the prepaid loan amount. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-04-18): Client elects to waive |  |  | 04/18/2025 | 2 B |  | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 829835 | xxxxxx | 32950870 | xxxxxx | 03/06/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | HOI does not reflect xxxxxx |  | Reviewer Comment (2025-03-12): Per client and seller email, there should be no xxxxxx. See new conditions | 03/12/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 829835 | xxxxxx | 32950871 | xxxxxx | 03/06/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | CDA does not reflect xxxxxx |  | Reviewer Comment (2025-03-12): Per client and seller email, there should be no xxxxxx. See new conditions | 03/12/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 829835 | xxxxxx | 32950879 | xxxxxx | 03/06/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2025-04-29): FTP provided | 04/29/2025 |  |  | 1 A | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 829835 | xxxxxx | 32951405 | xxxxxx | 03/06/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Evidence of delivery in the file reflects an appraisal was provided to the borrower on xxxxxx . The report date of the appraisal in the file is xxxxxx . Missing a copy of the appraisal provided to the borrower on xxxxxx . |  | Reviewer Comment (2025-03-12): Prelim appraisal provided | 03/12/2025 |  |  | 1 D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 829835 | xxxxxx | 32951523 | xxxxxx | 03/06/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal does not reflect xxxxxx |  | Reviewer Comment (2025-03-12): Per client and seller email, there should be no xxxxxx. See new conditions | 03/12/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 829835 | xxxxxx | 32970231 | xxxxxx | 03/06/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. The policy reflects Summer Taxes for January are due and provided a payoff amount, however only Winter Taxes were paid on the Final CD. |  | Reviewer Comment (2025-04-29): Clear FTP provided | 04/29/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 829835 | xxxxxx | 32970245 | xxxxxx | 03/06/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-04-29): 1008 provided | 04/29/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 829835 | xxxxxx | 33024502 | xxxxxx | 03/12/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per client and seller email post review, there should be no xxxxxx in the address. Provide the corrected 1003, PC-CD, Title Policy and Flood Cert. Also, provide the corrected and executed Note, DOT+ Riders, LOE to borrower, evidence of delivery to the borrower and lender's letter of intent to re-record. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Reviewer Comment (2025-05-07): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-06): Updated flood cert and endorsement to title provided. Still pending receipt of all other correct documents per the original condition (executed DOT + Riders, LOE to borrower for corrected documents, evidence of delivery to the borrower, and lender's LOI.<br>Reviewer Comment (2025-05-02): Comments on 5/2 appear to be for the Seller. See DD comments form xxxxxx on outstanding docs. Received corrected PC-CD and LOE to borrower for PC-CD. Flood Cert and FTP provided still reflect xxxxxx. Also still pending receipt of all other correct documents per the original condition (executed DOT + Riders, LOE to borrower for corrected documents, evidence of delivery to the borrower, and lender's LOI.<br>Reviewer Comment (2025-04-29): Received corrected PC-CD and LOE to borrower for PC-CD. Flood Cert and FTP provided still reflect xxxxxx. Also still pending receipt of all other correct documents per the original condition (executed DOT + Riders, LOE to borrower for corrected documents, evidence of delivery to the borrower, and lender's LOI.<br>Reviewer Comment (2025-04-24): Received the corrected and executed Note and 1003. None of the other documents per the original condition were provided. Pending receipt of corrected title policy, corrected flood cert, corrected and executed DOT + Riders, LOE to borrower, evidence of delivery to the borrower and lender's LOI. |  |  | 05/07/2025 | 2 B |  | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 829835 | xxxxxx | 33370773 | xxxxxx | 04/29/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Final Title Policy provided post review: Reflects xxxxxx vs all other documents which do not. |  | Reviewer Comment (2025-05-05): Amendment/endorsement to FTP provided updating address. | 05/05/2025 |  |  | 1 A |  | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831005 | xxxxxx | 33286366 | xxxxxx | 04/17/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Approval document is missing. |  | Reviewer Comment (2025-04-30): Approval provided | 04/30/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 831005 | xxxxxx | 33286370 | xxxxxx | 04/17/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or UDM report is required no more than 30 days prior to loan closing. |  | Reviewer Comment (2025-05-29): Received credit report dated xxxxxx . Exception cleared.<br>Reviewer Comment (2025-05-12): The LOE is not acceptable. On the gap report provided on 3/28, none of the tradelines updated. The original credit report was pulled xxxxxx It would be assumed in over a month, there would be tradeline updates. Or if investor is accepting this, please let us know and we can make notes and clear the condition. Assigned to investor. | 05/29/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 831005 | xxxxxx | 33286449 | xxxxxx | 04/17/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 695 is less than Guideline representative FICO score of 700. | Up to 80% LTV requires a 700 FICO score. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-04-18): Client elects to waive with verified compensation factors |  |  | 04/18/2025 | 2 C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 831020 | xxxxxx | 33274603 | xxxxxx | 04/17/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, settlement agent, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-04-23): Received Fraud and OFAC search run on settlement agent. Exception cleared.<br>Reviewer Comment (2025-04-22): Received SAM.gov for settlement agent. Provide Fraud Report and OFAC search run on settlement agent xxxxxx. Exception remains. | 04/23/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831020 | xxxxxx | 33277650 | xxxxxx | 04/17/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  | The Refinance only was not checked on the Occupancy Certification. |  | Reviewer Comment (2025-04-22): Received corrected Occupancy Certification. Exception cleared. | 04/22/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831396 | xxxxxx | 33294337 | xxxxxx | 04/23/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Mortgagee clause missing on HOI policy |  | Reviewer Comment (2025-04-28): Updated HOI provided | 04/28/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831396 | xxxxxx | 33303278 | xxxxxx | 04/23/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Housing history for borrower's primary residence does not appear on credit report. Property profile report reflects a mortgage for $xxxxxx & $xxxxxx. Provide proof of borrower's payment for the most recent 6-months, 12 month VOM or pay history from creditor/servicer and a copy of the Note or Mortgage Statement. Or provide evidence of both lien releases. |  | Reviewer Comment (2025-05-20): Later dated lucid report provided with no open liens.<br>Reviewer Comment (2025-05-20): Email to investor: This is the same property profile report with the transaction history omitted. The property profile report with the transaction history reflects these two open liens. If you provided a more recent lucid report, that can be reviewed to supersede the report in file.<br>Reviewer Comment (2025-05-20): The property profile provided in trailing documents omits the transaction history that was provided on the property profile report in file. The transaction history from the property profile report in file reflects two open liens which were noted in the original condition. Provide the release of these liens or the appropriate housing history. | 05/20/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831574 | xxxxxx | 33508534 | xxxxxx | 05/29/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $272.00 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Lender cure of $72.00 reflecting on Final CD. |  | Reviewer Comment (2025-05-22): Sufficient Cure Provided At Closing |  | 05/22/2025 |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 831574 | xxxxxx | 33527553 | xxxxxx | 05/29/2025 | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | 2022/2023 business returns were provided which reflects income that does not support the bank statement income. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-12): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-06): Bank statements loans should not contain tax return income documentation and conditions are cited. Investor can elect to waive with verified compensation factors. Borrower's business is a xxxxxx owned 100% by the borrower for > 7 years.<br> Program is 24 months bank statements. The bank statement analysis was from 4/2023 – 3/2025. The 2022 and 2023 1120's only included pages 1 and 2 of the returns, therefore unable to determine the type of deductions.<br> 2023 reflected $678,693 gross receipts / sales for 2023, which is consistent with the average deposits shown on bank statements during the 2023 period. <br> Also please note that a 50% expense ratio was applied to the bank statements for the DTI calculation |  |  | 06/12/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 831588 | xxxxxx | 33430190 | xxxxxx | 05/13/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Citizenship Affidavit not provided |  |  |  | Reviewer Comment (2025-05-21): Received Citizenship Affidavit. Exception cleared. | 05/21/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831588 | xxxxxx | 33430191 | xxxxxx | 05/13/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  |  |  | Reviewer Comment (2025-05-19): Received Non-Owner Occupancy Declaration. Exception cleared. | 05/19/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831588 | xxxxxx | 33430198 | xxxxxx | 05/13/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on Property Seller, xxxxxx, was not included. |  | Reviewer Comment (2025-05-29): Received updated Fraud Report. Fraud and OFAC run on the Seller, xxxxxx. Exception cleared.<br>Reviewer Comment (2025-05-19): Received OFAC search run on LLC. Provide Fraud and OFAC searches run on Property Seller, xxxxxx. Exception remains. | 05/29/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831588 | xxxxxx | 33430201 | xxxxxx | 05/13/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | ACH information was not provided and borrower is Foreign National | Borrower: xxxxxx |  |  | Reviewer Comment (2025-05-29): Received ACH Verification Form. Exception cleared. | 05/29/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831759 | xxxxxx | 33109746 | xxxxxx | 03/28/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Notes with a balloon feature with an expired maturity date exceeding 30 days require an extension to avoid being counted as delinquent (e.g., delinquent 31 days is 1x30 late, delinquent 61 days is 1x60 late, etc). Per Note, first and second liens matured on xxxxxx xxxxxx. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-05): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-04-28): Received VOR is not acceptable for extension agreement. An Extension agreement is required to verify that borrower accepted the terms of extension by signing the document. Exception remains. |  |  | 05/05/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831759 | xxxxxx | 33109789 | xxxxxx | 03/28/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on settlement agent, xxxxxx |  | Reviewer Comment (2025-04-01): Received Fraud and OFAC searches run on settlement agent, xxxxxx. Exception cleared. | 04/01/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831759 | xxxxxx | 33109943 | xxxxxx | 03/28/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Provide Business Purpose Certificate with the correct loan amount. |  | Reviewer Comment (2025-04-10): Received Business Purpose Certificate. Exception cleared. | 04/10/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831759 | xxxxxx | 33125415 | xxxxxx | 03/28/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Both mortgage liens on the subject property are private party and do not appear on the original credit report. Supplements provided with pay history along with Note which encumbers both liens and payoffs for both liens. Provide the 6 month borrower pay history and 12 month VOM (Note: There is a xxxxxx VOM in file with different start and maturity dates that reflect the subject property but it is unclear if it is for the private liens. Private parties paid on Final HUD). | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-05): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-04-28): Received VOM for xxxxxx and xxxxxx. Provide 6 months borrower pay history for mortgage liens with xxxxxx, xxxxxx and xxxxxx. Exception remains.<br>Reviewer Comment (2025-04-23): Received VOM for the lender xxxxxx reflects original mortgage amount as $xxxxxx however per property history report the loan amount reflects as xxxxxx, therefore provide VOM for xxxxxx for the remaining loan amount. Also per VOM there was an extension on maturity that was granted, therefore provide extension agreement. 6 month borrower pay history is required for mortgage liens with xxxxxx and xxxxxx and xxxxxx. Exception remains. |  |  | 05/05/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831759 | xxxxxx | 33125497 | xxxxxx | 03/28/2025 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Provide evidence the listing was terminated. |  | Reviewer Comment (2025-04-01): Evidence listing was removed on 2.12.2025 was provided | 04/01/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831883 | xxxxxx | 33200372 | xxxxxx | 04/10/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC not run on borrower with suffix, xxxxxx Also, not run on individual name of Settlement agent, xxxxxx. |  | Reviewer Comment (2025-04-17): Received updated Fraud Report. Fraud and OFAC run on the settlement agent and borrower with suffix. Exception cleared.<br>Reviewer Comment (2025-04-14): Received the same fraud report which was already in file. Provide Fraud and OFAC run on borrower with suffix, xxxxxx. Also, OFAC run search on individual name of Settlement agent, xxxxxx. Exception remains. | 04/17/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 831883 | xxxxxx | 33200405 | xxxxxx | 04/10/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-04-11): Client elects to waive |  |  | 04/11/2025 | 2 B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 831883 | xxxxxx | 33216347 | xxxxxx | 04/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,279.87 exceeds tolerance of $1,809.00 plus 10% or $1,989.90. Insufficient or no cure was provided to the borrower. xxxxxx | Cure nor valid COC provided |  | Reviewer Comment (2025-05-12): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check.<br>Reviewer Comment (2025-05-08): SitusAMC received proof of mailing. UPS tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br>Reviewer Comment (2025-05-07): SitusAMC received Corrected CD, LOE to borrower and copy of refund check. Missing proof of mailing. Proof of mailing required to cure.<br>Reviewer Comment (2025-04-30): SitusAMC Overall Cure required for 10% tolerance fees is $289.97. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Reviewer Comment (2025-04-17): SItusAMC received COC dated xxxxxx which is already available in file however, the 10% fees Titlte - Abstract or Title Search fee was increased from $400 to $895.87 on final CD due to which overall title fees exceeded over 10% tolerance limit. Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs or cure will be required. |  | 05/12/2025 |  | 2 C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 832315 | xxxxxx | 33183586 | xxxxxx | 04/08/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-05-20): E-consent provided | 05/20/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 832315 | xxxxxx | 33183714 | xxxxxx | 04/08/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Note reflects Unit xxxxxx. Appraisal reflects Unit xxxxxx |  | Reviewer Comment (2025-04-28): Received lender attestation that unit number should be xxxxxx. See added conditions. | 04/28/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 832315 | xxxxxx | 33184003 | xxxxxx | 04/08/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $2,574.00 exceeds tolerance of $1,750.00. Insufficient or no cure was provided to the borrower. (8304) | The Transfer Tax Fee increases from $1750.00 on the initial Loan Estimate to $2,574.00 on the initial Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2025-05-05): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check. |  | 05/05/2025 |  | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 832315 | xxxxxx | 33198447 | xxxxxx | 04/08/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. |  | Occupancy discrepancy. Borrower signed a business purpose certificate at closing. There is an Assignment of leases and rents rider with the mortgage. Borrower's driver's license has a xxxxxx address and a couple of the mortgage statements for REO in file have a mailing address of the xxxxxx address. |  | Reviewer Comment (2025-05-20): Received supplement from title indicating unit number updated due to change in xxxxxx address. No unit xxxxxx.<br>Reviewer Comment (2025-05-19): Received LOE form borrower regarding address discrepancy. However still pending receipt of title report run on Unit xxxxxx which reflects borrower as the owner and was not added to REO or DTI.<br>Reviewer Comment (2025-04-28): Cleared in error. Received lender attestation on incorrect unit number and update DOT removing assignments of leases and rents. Please address issue with xxxxxx and mortgage statements having a xxxxxx address on a primary along with executed business purpose cert. Also, title report was run on Unit xxxxxx which reflects borrower as the owner and was not added to REO or DTI. | 05/20/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 832315 | xxxxxx | 33198507 | xxxxxx | 04/08/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | Note reflects Unit xxxxxx. CDA reflects Unit xxxxxx |  | Reviewer Comment (2025-04-28): Received lender attestation that unit number should be xxxxxx. See added conditions. | 04/28/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 832315 | xxxxxx | 33362835 | xxxxxx | 04/28/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Received corrected and executed DOT + Rider and LOI updating unit number to xxxxxx. Pending receipt of corrected and executed Note, PC-CD, Approval, Occupancy Cert, Title Policy, LOE to borrower and evidence of delivery to the borrower of all corrected documents, including LOE and re-opening rescission as RTC forms also have incorrect unit number. |  | Reviewer Comment (2025-05-26): Tracking provided which reflects in transit<br>Reviewer Comment (2025-05-20): Endorsement to title provided updating unit number, LOE to borrower and mailing label provided. Tracking reflects Label Created. Must reflect at minimum in transit.<br>Reviewer Comment (2025-05-15): Received corrected and executed Note, received corrected PC-CD, Approval and occupancy cert and re-opening of rescission. Pending receipt of corrected title policy, LOE to borrower and evidence of delivery to the borrower. The LOE and evidence of delivery cannot be waived as an LOE to borrower and delivery, including LOE, is part of the cure provisions for re-opening rescission. | 05/26/2025 |  |  | 1 A |  | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 832315 | xxxxxx | 33362839 | xxxxxx | 04/28/2025 | Credit | System | General | System | 1003 Subject Address does not match Note address. |  | Received lender attestation that unit number should be xxxxxx. Provide the corrected 1003. |  | Reviewer Comment (2025-04-30): Updated 1003 provided | 04/30/2025 |  |  | 1 A |  | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 832315 | xxxxxx | 33362840 | xxxxxx | 04/28/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Received lender attestation that unit number should be xxxxxx. Provide the corrected Flood Cert. |  | Reviewer Comment (2025-04-30): Updated flood cert provided | 04/30/2025 |  |  | 1 A |  | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 832315 | xxxxxx | 33362845 | xxxxxx | 04/28/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Received lender attestation that unit number should be xxxxxx. Provide the corrected HO6. |  | Reviewer Comment (2025-05-16): Received HO6 policy prior to closing. Exception cleared.<br>Reviewer Comment (2025-04-30): The HO6 provided is dated post-close and not acceptable. | 05/16/2025 |  |  | 1 A |  | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 832315 | xxxxxx | 33386418 | xxxxxx | 04/30/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title report was run on Unit xxxxxx which reflects borrower as the owner and was not added to REO or DTI. Add property/unit to REO or provide proof borrower no longer owns unit. |  | Reviewer Comment (2025-05-20): Received supplement from title indicating unit number updated due to change in xxxxxx address. No unit xxxxxx.<br>Reviewer Comment (2025-05-15): The LOE is not acceptable. The title was run on Unit xxxxxx which reflects borrower as the owner. | 05/20/2025 |  |  | 1 A |  | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 832336 | xxxxxx | 33228704 | xxxxxx | 04/16/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the Note for the borrower's primary residence or full property profile with transaction history to support not in the borrower's name. Mortgage statement in file reflects non-borrower, however mortgage statements do not always reflect all borrowers. |  | Reviewer Comment (2025-05-01): Received corrected 1003. Exception cleared.<br>Reviewer Comment (2025-04-30): Received 12 months of ach payment. Provide corrected 1003 to include the mortgage lien for the primary property in REO. Exception remains.<br>Reviewer Comment (2025-04-25): Received Bank Statement account xxxxxx reflects both borrower and non-borrower's name. Therefore provide Note for the borrower's primary residence to verify borrower is not obligated for mortgage payment. If borrower is liable for mortgage payment, then provide, additional 4 months of bank statement, since received 8 months bank transfer from xxxxxx through xxxxxx xxxxxx. Exception remains.<br>Reviewer Comment (2025-04-22): Condition cannot be waived. The loan file does not contain any payment history for the primary residence. Per the original condition. provide the Note for the borrower's primary residence or full property profile with transaction history to support not in the borrower's name. Mortgage statement in file reflects non-borrower, however mortgage statements do not always reflect all borrowers. | 05/01/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832336 | xxxxxx | 33228706 | xxxxxx | 04/16/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxxxx Settlement Agent parties to the transaction is Missing in the Fraud Report and OFAC searches. |  | Reviewer Comment (2025-04-22): Received Fraud and OFAC search run on Settlement Agent. Excepiton cleared. | 04/22/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832336 | xxxxxx | 33228715 | xxxxxx | 04/16/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood cert address is missing xxxxxx within the street address. |  | Reviewer Comment (2025-04-23): Updated flood cert provided<br>Reviewer Comment (2025-04-21): The updated flood cert is now missing A | 04/23/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832434 | xxxxxx | 33208369 | xxxxxx | 04/10/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on Seller, xxxxxx and xxxxxx. |  | Reviewer Comment (2025-05-01): Received updated Fraud Report. Fraud & OFAC searches run on Seller's, xxxxxx and xxxxxx. Exception cleared.<br>Reviewer Comment (2025-04-15): Received same Fraud Report report dated xxxxxx , that was already provided at the time of review. Fraud and OFAC searches not run on Seller, xxxxxx and xxxxxx. Exception remains. | 05/01/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 832434 | xxxxxx | 33208375 | xxxxxx | 04/10/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Citizenship Affidavit not provided |  | Provide Citizenship Affidavit for xxxxxx. |  | Reviewer Comment (2025-04-28): Received Citizenship Affidavit for xxxxxx. Exception cleared. | 04/28/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 832434 | xxxxxx | 33208379 | xxxxxx | 04/10/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  | Reviewer Comment (2025-04-28): Received Articles of Formation. Exception cleared. | 04/28/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 832434 | xxxxxx | 33208381 | xxxxxx | 04/10/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2025-04-29): Received Certificate of Good Standing as per xxxxxx Cert of Filing. Exception cleared. | 04/29/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 832434 | xxxxxx | 33208382 | xxxxxx | 04/10/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  | Reviewer Comment (2025-04-28): Received Corporate Resolution. Exception cleared. | 04/28/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 832434 | xxxxxx | 33208384 | xxxxxx | 04/10/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  | Reviewer Comment (2025-04-30): Received Employer Identification Number (EIN) document for Entity xxxxxx. Exception cleared.<br>Reviewer Comment (2025-04-28): Received EIN document for xxxxxx, however, EIN application was provided for xxxxxx. Provide EIN for the entity xxxxxx. Exception remains.<br>Reviewer Comment (2025-04-14): The document provided is an application for EIN. Does not reflect it was filed or processed wit the IRS. | 04/30/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 832434 | xxxxxx | 33208385 | xxxxxx | 04/10/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  | Reviewer Comment (2025-04-28): Received Operating agreement. Exception cleared. | 04/28/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 832434 | xxxxxx | 33208445 | xxxxxx | 04/10/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-04-14): CDA provided | 04/14/2025 |  |  | 1 D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 832523 | xxxxxx | 33095414 | xxxxxx | 03/26/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide a VOR for the borrower's primary residence. Any VOR completed by a private party, or any non-institutional landlord must be supported by alternative documentation showing the most recent 6-month history (cancelled checks, rental statements including payment history, etc.) |  | Reviewer Comment (2025-04-24): Received VOR for the borrower's primary residence. Exception cleared.<br>Reviewer Comment (2025-04-03): Received VOR for the borrower's primary residence, however Account in name of is not updated. Provide updated VOR. Exception remains. | 04/24/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832523 | xxxxxx | 33095421 | xxxxxx | 03/26/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Closing statement available in file is not Executed /Stamped |  | Reviewer Comment (2025-04-03): Final stamped settlement statement provided | 04/03/2025 |  |  | 1 D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832523 | xxxxxx | 33095431 | xxxxxx | 03/26/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on settlement agent, xxxxxx; Seller's, xxxxxx & xxxxxx. |  | Reviewer Comment (2025-04-16): Received updated Fraud Report, Fraud and OFAC run on the settlement agent and Sellers. Exception cleared.<br>Reviewer Comment (2025-03-31): No new document was received. Provide document as requested on the original condition. Exception remains.<br>Reviewer Comment (2025-03-28): Received same fraud report that was already provided at the time of review. Provide Fraud and OFAC searches not run on settlement agent, xxxxxx; Seller's, xxxxxx & xxxxxx. Exception remains. | 04/16/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832686 | xxxxxx | 33292532 | xxxxxx | 04/22/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $635.00 exceeds tolerance of $600.00. Insufficient or no cure was provided to the borrower. (7506) | The Appraisal Fee increases from $600.00 on the initial Loan Estimate to $635.00 on the initial Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2025-05-07): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-04-29): SitusAMC received COC stating borrower requested for increase in appraisal .However, we would require supporting document when did the borrower requested for the same in order to clear the exception.<br>Reviewer Comment (2025-04-25): SitusAMC received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the Appraisal fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. |  | 05/07/2025 |  | 2 C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 832686 | xxxxxx | 33292583 | xxxxxx | 04/22/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Provide color photographs Appraisal and CDA. |  | Reviewer Comment (2025-04-24): Received colored Appraisal and CDA. Exception cleared. | 04/24/2025 |  |  | 1 D A | N/A | N/A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 832705 | xxxxxx | 33182383 | xxxxxx | 04/08/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.52 is less than Guideline PITIA months reserves of 2.00. | Borrower only received $1,154.12 cash in hand and transferred the remaining $253,000 in cash out to another transaction per the Final Settlement Statement. |  | Reviewer Comment (2025-04-29): 2025 business bank statement provided. Per guidelines for xxxxxx loans, assets held in the name of the vested entity: 100% of the assets may be used.<br>Reviewer Comment (2025-04-16): Cleared in error. Bank statement is from 2024 | 04/29/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832712 | xxxxxx | 33249375 | xxxxxx | 04/17/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2025-04-24): Received Business Purpose Certificate. Exception cleared.<br>Reviewer Comment (2025-04-23): Provided Business Purpose Certificate is blank (effective date, loan number, borrower(s) name, property address, lender name, Signature). Exception remains. | 04/24/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832712 | xxxxxx | 33249377 | xxxxxx | 04/17/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  |  |  | Reviewer Comment (2025-04-24): Received Business Purpose Certificate. Exception cleared.<br>Reviewer Comment (2025-04-23): Provided Business Purpose Certificate is blank (effective date, loan number, borrower(s) name, property address, lender name, Signature). Exception remains. | 04/24/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832796 | xxxxxx | 33281534 | xxxxxx | 04/18/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Mortgage history not reporting on credit report for the subject property. Provide the borrower's 6 month pay history via cancelled checks/bank statements. VOM, Payoff, Mortgage Statement and servicer pay history printout provided. In addition, the servcier pay history and mortgage statement is only through 5/2024 and VOM reflects NPD 5/2024. |  | Reviewer Comment (2025-05-23): Received borrower's 6 month pay history. Exception cleared.<br>Reviewer Comment (2025-05-21): Received servicer pay history printout. However, provide the borrower's 6 month pay history via cancelled checks/bank statements for the subject property. Exception remains. | 05/23/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832796 | xxxxxx | 33281569 | xxxxxx | 04/18/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC missing for Settlement Agent - xxxxxx. |  | Reviewer Comment (2025-04-22): Received OFAC search and updated participant list. Exception cleared. | 04/22/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832800 | xxxxxx | 33281603 | xxxxxx | 04/18/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on settlement agent, xxxxxx |  | Reviewer Comment (2025-04-22): Received OFAC search HUD/GSA/LDP for settlement agent xxxxxx. Exception cleared. | 04/22/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832800 | xxxxxx | 33281642 | xxxxxx | 04/18/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | ISAOA missing |  | Reviewer Comment (2025-04-22): Updated HOI provided | 04/22/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832800 | xxxxxx | 33286255 | xxxxxx | 04/18/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The PPP addendum to the Note and PPP Rider to the DOT riders are in file signed by the borrower, however the loan years & premium is missing as well as the term is for 2 months. If the loan has a PPP, provide the corrected and executed documents, LOE to borrower, Lender's LOI an evidence of delivery to the borrower. |  | Reviewer Comment (2025-04-30): LOE to borrower and evidence of delivery provided<br>Reviewer Comment (2025-04-29): Received LOI. Received email from client that they do not require corrections to the PPP Rider to the DOT. Pending receipt of LOE to borrower for corrections, and evidence of delivery to the borrower of corrected documents. (LOE and LOI are addressed to xxxxxx which is not a party to the transaction)<br>Reviewer Comment (2025-04-28): The PPP addendum tot the Note is not a recordable document. It is the PPP Rider to the DOT. Pending receipt of the corrected and executed PPP rider to the DOT, lender's LOI for the PPP rider, LOE to borrower & evidence of delivery to the borrower.<br>Reviewer Comment (2025-04-24): Received evidence of delivery to the borrower for the PPP addendum to the Note. Still pending receipt of the corrected and executed PPP Rider to the DOT, lender's letter of intent to re-record (LOI), LOE to borrower & evidence of delivery of the PPP rider.<br>Reviewer Comment (2025-04-22): Received updated and corrected PPP addendum to the Note. Pending receipt of corrected and executed PPP Rider to the DOT, LOE to borrower, evidence of delivery to the borrower, and lender's LOI. | 04/30/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832800 | xxxxxx | 33286282 | xxxxxx | 04/18/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the payoff/buyout agreement for xxxxxx per the final closing statement. |  | Reviewer Comment (2025-04-24): Received documents to verify buyout for xxxxxx. Exception cleared. | 04/24/2025 |  |  | 1 C A | C | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832818 | xxxxxx | 33218567 | xxxxxx | 04/14/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participant, settlement agent, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-04-30): Received GSA and OFAC search for settlement agent. Exception cleared.<br>Reviewer Comment (2025-04-24): Received SAM.gov. Provide HUD/LDP or updated fraud report. Exception remains.<br>Reviewer Comment (2025-04-21): Received updated Fraud Report, however Fraud and OFAC search not run on settlement agent, xxxxxx. Exception remains. | 04/30/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832874 | xxxxxx | 33386642 | xxxxxx | 05/06/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $301,121.49 is over disclosed by $902.45 compared to the calculated Amount Financed of $300,219.04 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed an amount financed of $301,121.49; calculated amount financed is $300,219.04 . Variance is $902.45. |  | Reviewer Comment (2025-06-02): SitusAMC received final settlement statement, Corrected CD and LOE to borrower which removed the title-PAD fee.<br>Reviewer Comment (2025-05-27): SitusAMC received rebuttal on fees lender not considering finance charges. The finance charge is underdisclosed by $902.45. The primary fee discrepancy appears to be the $title-Escrow Pad of $1000. Though the PAD fee is a cushion to ensure sufficient funds, the question becomes, "what" fees are being cushioned for? The cushion could be for fees that are considered finance charges and without final fees, SitusAMC is unable to determine all or a portion of the PAD escrow that could be a finance charge and has included the entire fee. In addition, Flood Certif, if Life of Loan, are considered a finance fee vs a one-time fee, which SitusAMC is unable to determine from the disclosed fee name and there is only 1 fee charged which typically is for Life of Loan and not Initial determination, which is noted in 4(c)(7)(iv) as "if the service is performed prior to closing, including fees related to pest-infestation or flood-hazard determinations. "Prior to" noted in the regulation refers to the one time fee, where life of loan fee would be considered a finance charge. As for fees charged to public officials for recording dees, there were no fees included in SitusAMC's calculation that were fees paid to a public official, the recording fees were not included. In order to address the primary fee issue, Title-Escrow Pad, must provide documented evidence that fee would only be for repair/consruction costs or tax/insurance escrows, or a Final for Fees Closing Disclosure and LOE to borrower that updates to remove the fee and add any fees that were added (or removed) along with a Certified Final Settlement Statement with fees matching for Final for Fees.<br>Reviewer Comment (2025-05-21): Flood certificate, Title recording service fee, Title - Archive fee should be included. Additionally, while escrow pad fee was removed on PCCD, disposition of fee was not addressed. The refundable pad should be included in the finance charges. If the Pad fee was refunded to the consumer, then the lender should provide the post close CD indicating the actual fees on the loan. If the Pad fee was allocated to other charges, then the lender should provide a CD reflecting the other charges the pad fee was allocated to. Merely calling something a PAD fee does not exclude it from finance charge considerations as the actual service the fee will cover is unknown. (If the Pad fee covers an additional title endorsement, that would not be a finance charge. If it covers a recording service fee or a post closing inspection fee, then it would be a finance charge) | 06/02/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 832874 | xxxxxx | 33386643 | xxxxxx | 05/06/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $460,184.20 is under disclosed by $902.45 compared to the calculated Finance Charge of $461,086.65 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed a finance charge of $460,184.20; calculated finance charge is $461,086.65. Variance is $902.45. |  | Reviewer Comment (2025-06-02): SitusAMC received final settlement statement, Corrected CD and LOE to borrower which removed the title-PAD fee.<br>Reviewer Comment (2025-05-27): SitusAMC received rebuttal on fees lender not considering finance charges. The finance charge is underdisclosed by $902.45. The primary fee discrepancy appears to be the $title-Escrow Pad of $1000. Though the PAD fee is a cushion to ensure sufficient funds, the question becomes, "what" fees are being cushioned for? The cushion could be for fees that are considered finance charges and without final fees, SitusAMC is unable to determine all or a portion of the PAD escrow that could be a finance charge and has included the entire fee. In addition, Flood Certif, if Life of Loan, are considered a finance fee vs a one-time fee, which SitusAMC is unable to determine from the disclosed fee name and there is only 1 fee charged which typically is for Life of Loan and not Initial determination, which is noted in 4(c)(7)(iv) as "if the service is performed prior to closing, including fees related to pest-infestation or flood-hazard determinations. "Prior to" noted in the regulation refers to the one time fee, where life of loan fee would be considered a finance charge. As for fees charged to public officials for recording dees, there were no fees included in SitusAMC's calculation that were fees paid to a public official, the recording fees were not included. In order to address the primary fee issue, Title-Escrow Pad, must provide documented evidence that fee would only be for repair/consruction costs or tax/insurance escrows, or a Final for Fees Closing Disclosure and LOE to borrower that updates to remove the fee and add any fees that were added (or removed) along with a Certified Final Settlement Statement with fees matching for Final for Fees.<br>Reviewer Comment (2025-05-21): Flood certificate, Title recording service fee, Title - Archive fee should be included. Additionally, while escrow pad fee was removed on PCCD, disposition of fee was not addressed. The refundable pad should be included in the finance charges. If the Pad fee was refunded to the consumer, then the lender should provide the post close CD indicating the actual fees on the loan. If the Pad fee was allocated to other charges, then the lender should provide a CD reflecting the other charges the pad fee was allocated to. Merely calling something a PAD fee does not exclude it from finance charge considerations as the actual service the fee will cover is unknown. (If the Pad fee covers an additional title endorsement, that would not be a finance charge. If it covers a recording service fee or a post closing inspection fee, then it would be a finance charge) | 06/02/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 832874 | xxxxxx | 33386644 | xxxxxx | 05/06/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial xxxxxx) |  |  | Reviewer Comment (2025-05-21): SitusAMC received e-consent dated xxxxxx  | 05/21/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 832874 | xxxxxx | 33386669 | xxxxxx | 05/06/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $365,713.81 is less than Cash From Borrower $366,852.33. | Cash to close is calculated as fund to close + EMD +POCB Fees + any adjustments/gifts/1031 on the Final CD. |  | Reviewer Comment (2025-05-20): PC-CD and final stamped closing statement provided reflecting a reduction in cash to close. | 05/20/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 832874 | xxxxxx | 33401673 | xxxxxx | 05/06/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Non-Arm's Length transaction. Borrower purchasing from "Fiancé" the property in which he is living at rent free. File is missing the mortgage history for the existing mortgage confirming the family sale is not a foreclosure bailout. (Note Seller purchased property xxxxxx please provide the mortgage history since it's inception). |  | Reviewer Comment (2025-05-14): Received Mortgage statement to verify mortgage payments. Exception cleared. | 05/14/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 832967 | xxxxxx | 33194339 | xxxxxx | 04/10/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Mortgage for subject property does not appear on the credit report. Payoff and mortgage statement provided. Provide Proof of payments through one of the following:<br> o 12-months cancelled checks, ACH payment, bank transfer/wire, or electronic payment method from the borrower<br> § Payments made in cash are not eligible, or<br> o 12-months mortgage statements for the review period, or<br> o 12-months loan payment history from the creditor/servicer<br> § Proof of borrower's payment for the most recent 6-months is required, or<br> o 12-months Verification of Mortgage form (VOM) completed by the creditor/servicer<br> § Proof of borrower's payment for the most recent 6-months is required |  | Reviewer Comment (2025-05-12): Ext agreement from 2019 does not need to be signed.<br>Reviewer Comment (2025-04-29): Received extension agreement from xxxxxx to xxxxxx is not executed. Exception remains.<br>Reviewer Comment (2025-04-28): Received LOE for the current maturity date. Please provide the extension agreement to fill the gap of previous documents with loan date xxxxxx and maturity date xxxxxx , previous Note in file has the maturity date as xxxxxx , there is gap in dates. Exception remains.<br>Reviewer Comment (2025-04-23): Received previous change in term agreement with loan date xxxxxx and maturity date xxxxxx , previous Note in file has the maturity date as xxxxxx , there is gap in dates, therefore provide extension agreement for the same. Also, current maturity is dated xxxxxx and the loan is closed on xxxxxx , therefore provide extension agreement for the current transaction. Exception remains.<br>Reviewer Comment (2025-04-15): Received Note, VOM and 5 months borrower's bank statement. Provide bank statement from xxxxxx through xxxxxx . Received Note reflects Maturity dated xxxxxx , received extension of Note from xxxxxx and Maturity xxxxxx . File is missing Extension agreement for the period xxxxxx through xxxxxx xxxxxx. Exception remains. | 05/12/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832967 | xxxxxx | 33198232 | xxxxxx | 04/10/2025 | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  |  |  | Reviewer Comment (2025-04-15): Received Title Commitment. Exception cleared. | 04/15/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833034 | xxxxxx | 33484594 | xxxxxx | 05/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included in the Fraud Report and OFAC searches. The Settlement Agent, xxxxxx, is missing. |  | Reviewer Comment (2025-05-23): Received updated Fraud Report. Fraud and OFAC search run on the settlement agent. Exception cleared. | 05/23/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 833034 | xxxxxx | 33484596 | xxxxxx | 05/22/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood certificate address reflects xxxxxx. |  | Reviewer Comment (2025-05-27): Updated flood cert provided | 05/27/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 833034 | xxxxxx | 33484598 | xxxxxx | 05/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | Disaster Name: xxxxxx<br> Disaster Declaration Date: xxxxxx <br> Disaster End Date: xxxxxx |  | Reviewer Comment (2025-05-23): Received 442, Appraiser commented on property free and clear from any damages. Exception cleared. | 05/23/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 833034 | xxxxxx | 33484672 | xxxxxx | 05/22/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx , Borrower: xxxxxx Third Party Verification<br> Third Party Verification | Provide proof of existence of the borrower's business to be verified within 90 days prior to the Note date, through one of the following: Third party verification from licensed tax preparer, regulatory agency, or applicable licensing bureau, or internet screenshot displaying the phone listing and address verification of the borrower's business, or a business bank statement dated within 90 days of the Note date for income used in qualification. Businesses to be verified:<br> 1. Schedule C - Borrower (xxxxxx)<br> 2. Schedule C - Co-Borrower (xxxxxx)<br> 3. xxxxxx Partnership (xxxxxx) | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-02): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-28): Received internet screenshot displaying the phone listing and address verification for the following borrower's businesses : 1. Schedule C - Borrower (xxxxxx) 2. Schedule C - Co-Borrower (xxxxxx) that is dated post closing. However the document required is dated 90 days prior to the Note date. Please provide the documents requested on the original condition. Exception remains.<br>Reviewer Comment (2025-05-23): Received VVOE is not acceptable. Please provide the documents as requested on the original condition. Exception remains. |  |  | 06/02/2025 | 2 C B | N/A | N/A C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 833034 | xxxxxx | 33498072 | xxxxxx | 05/22/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Appraiser notes property is legal non-conforming. There are no comments on the appraisal if property can be rebuilt if 100% destroyed. |  | Reviewer Comment (2025-05-23): Rebuild confirmation from zoning letter provided | 05/23/2025 |  |  | 1 D A | N/A | N/A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 833247 | xxxxxx | 33279628 | xxxxxx | 04/18/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 67.16667% exceeds Guideline loan to value percentage of 65.00000%. | Investor exception in file for LTV greater than 65%. Max 65% on a refinance when loan amount is <$150K | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-04-16): Client elects to waive with verified compensation factors |  |  | 04/16/2025 | 2 B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833247 | xxxxxx | 33279668 | xxxxxx | 04/18/2025 | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Investor exception in file for Rural Property. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-04-16): Client elects to waive with verified compensation factors |  |  | 04/16/2025 | 2 B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833247 | xxxxxx | 33279707 | xxxxxx | 04/18/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Housing history for subject property does not appear on credit report. Therefore provide, proof of borrower's payment for the most recent 5-months xxxxxx bank statement in file). Payoff statement, 12-months loan payment history from the creditor/servicer and copy of Note was provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-04-28): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-04-22): Received Pay history that was already provided at the time of review. The document requested is for proof of borrower's payment for the most recent 5-months. Exception remains. |  |  | 04/28/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833258 | xxxxxx | 33684636 | xxxxxx | 04/22/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Irregular Transactions Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xxxxxx contains a change in APR and was not received by borrower at least three (3) business days prior to consummation | Evidence of earlier borrower receipt was not found in file. |  | Reviewer Comment (2025-06-11): SitusAMC received xxxxxx CD signed on xxxxxx <br>Reviewer Comment (2025-04-25): SitusAMC received xxxxxx CD with proof of receipt on xxxxxx. However, the CD was not received within 3 business days of the consummation date of xxxxxx. APR changed over .125% and the finance charge increased from the initial CD to the revised CD which confirms finance charge was not overstated and wait period required prior to closing. | 06/11/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833258 | xxxxxx | 33684637 | xxxxxx | 04/22/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Flood insurance coverage amount is insufficient. |  | Flood Insurance Coverage Amount is insufficient |  | Reviewer Comment (2025-04-30): Flood insurance with maximum building coverage as per NFIP received, exception cleared. | 04/30/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833282 | xxxxxx | 33401526 | xxxxxx | 05/08/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood reflects xxxxxx; note reflects xxxxxx. |  | Reviewer Comment (2025-05-16): Updated flood cert provided | 05/16/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833282 | xxxxxx | 33401837 | xxxxxx | 05/08/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-05-19): Received Fraud and OFAC searches run on settlement agent, xxxxxx. Exception cleared. | 05/19/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833282 | xxxxxx | 33407070 | xxxxxx | 05/08/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | Ownership of the subject property is limited to the lower of the appraised value or purchase price + documented improvements for qualifying. Property purchased xxxxxx for xxxxxx with doc improvements of xxxxxx=xxxxxx. Loan closed xxxxxx . The lender utilized the higher appraised value of $xxxxxx to qualify. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-22): Client elects to waive with verified compensation factors |  |  | 05/22/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833410 | xxxxxx | 33062822 | xxxxxx | 03/20/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  | Reviewer Comment (2025-03-28): Articles of Organization/Formation. Exception cleared. | 03/28/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833410 | xxxxxx | 33062823 | xxxxxx | 03/20/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2025-03-28): Received Certificate of Good Standing. Exception cleared. | 03/28/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833410 | xxxxxx | 33062824 | xxxxxx | 03/20/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  | Reviewer Comment (2025-03-28): Received Operating Agreement as borrower is 100% owner of the business. Exception cleared. | 03/28/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833410 | xxxxxx | 33062826 | xxxxxx | 03/20/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  | Reviewer Comment (2025-03-28): Received Employer Identification Number. Exception cleared. | 03/28/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833410 | xxxxxx | 33062828 | xxxxxx | 03/20/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  | Reviewer Comment (2025-03-28): Received Operating Agreement. Exception cleared. | 03/28/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833410 | xxxxxx | 33062938 | xxxxxx | 03/20/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | ACH information was not provided and borrower is Foreign National | Borrower: xxxxxx |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-03-24): Client elects to waive with verified compensation factors |  |  | 03/24/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833410 | xxxxxx | 33063938 | xxxxxx | 03/20/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, sellers, xxxxxx, were not included in the report. |  | Reviewer Comment (2025-03-31): Received Fraud and OFAC search run on sellers, xxxxxx. Exception cleared. | 03/31/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833410 | xxxxxx | 33089404 | xxxxxx | 03/20/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1007 Rent Comparison Schedule is incomplete |  | Per guidelines, purchase transaction that is tenant occupied, the 1007 must reflect the actual rents and they must be within 120% of estimate rents. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-05-09): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-04-22): Providing a listing link via comments is not acceptable. Provide documents or confirmation from appraiser property was used as an xxxxxx by current property seller. |  |  | 05/09/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833439 | xxxxxx | 33274806 | xxxxxx | 04/17/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  | Reviewer Comment (2025-04-21): Received Articles of Organization. Exception cleared. | 04/21/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833439 | xxxxxx | 33274807 | xxxxxx | 04/17/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  | Reviewer Comment (2025-04-30): Received Borrowing Certificate. Exception cleared.<br>Reviewer Comment (2025-04-21): Received operating agreement is not for the borrowing entity. Provide operating agreement for xxxxxx. Exception remains. | 04/30/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833439 | xxxxxx | 33274813 | xxxxxx | 04/17/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participant, settlement agent, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-04-21): Received updated fraud report. Fraud and OFAC run on the settlement agent. Exception cleared. | 04/21/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833439 | xxxxxx | 33277498 | xxxxxx | 04/17/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2025-04-21): Received Certificate of Good Standing. Exception cleared. | 04/21/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833457 | xxxxxx | 33151093 | xxxxxx | 04/04/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2025-04-09): Received Credit Refresh Report dated xxxxxx . Exception cleared. | 04/09/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 833457 | xxxxxx | 33151224 | xxxxxx | 04/04/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx HOA Verification, Insurance Verification, Statement |  |  | Reviewer Comment (2025-04-07): Received Insurance Verification, Closing Disclosure. Exception cleared. | 04/07/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 833457 | xxxxxx | 33152880 | xxxxxx | 04/04/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud searches not run on settlement agent, xxxxxx |  | Reviewer Comment (2025-04-09): Received updated Fraud and OFAC search of settlement agent. Exception cleared. | 04/09/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 833457 | xxxxxx | 33153147 | xxxxxx | 04/04/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx, Valuation Type: Desk Review / Valuation Report date: xxxxxx | Missing N on Desk Review & Appraisal |  | Reviewer Comment (2025-04-10): Updated CDA provided<br>Reviewer Comment (2025-04-08): Received updated appraisal. Pending receipt of updated CDA | 04/10/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 833457 | xxxxxx | 33153150 | xxxxxx | 04/04/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Missing N on Flood Cert |  | Reviewer Comment (2025-04-08): Updated flood cert provided | 04/08/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 833457 | xxxxxx | 33153151 | xxxxxx | 04/04/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Missing N on HOI |  | Reviewer Comment (2025-04-07): Received updated HOI documented. Exception remains. | 04/07/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 833457 | xxxxxx | 33154407 | xxxxxx | 04/04/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Mortgage Statement(s) not provided |  | Provide the senior lien mortgage statement for the subject property. |  | Reviewer Comment (2025-04-09): Received Mortgage Statement. Exception cleared.<br>Reviewer Comment (2025-04-08): As previously noted on xxxxxx and in the original condition, the credit report is not acceptable. Per the investor's CES guidelines, the senior lien requires the most recent mortgage statement. The credit report cannot be accepted in lieu of.<br>Reviewer Comment (2025-04-07): Received credit report is not acceptable. Please provide mortgage statement for the 1st lien's. Exception remains. | 04/09/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 833457 | xxxxxx | 33154513 | xxxxxx | 04/04/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the 12 month housing history for the second lien on the REO property on xxxxxx. |  | Reviewer Comment (2025-04-07): Final CD and new Note provided for second lien. No debt was paid off. New second. | 04/07/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 833490 | xxxxxx | 33409805 | xxxxxx | 05/09/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided |  | Provide the divorce decree to support child support and to support no other obligations owed (i.e. alimony). | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Reviewer Comment (2025-06-19): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-04): The Minutes provided for xxxxxx reflects a support order printout was attached. This must be provided. Also, credit report also reflects an order in xxxxxx which was not provided.<br>Reviewer Comment (2025-05-21): Received Minutes and Order or Judgment that reflects this matter proceeded as contested. Therefore provide the previous Divorce Decree / Child Support along with the printout, which shows the calculation of child support payable. Exception remains. |  |  | 06/19/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833566 | xxxxxx | 33476736 | xxxxxx | 05/21/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 51.36315% exceeds Guideline total debt ratio of 50.00000%. | Per Final 1003, loan was approved with primary housing expenses of $4,497.00, however, taxes and insurance are not included in the mortgage payment. Review found primary housing expenses of $5,346.10 for P&I and Taxes. Insurance documentation is still pending. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. | Reviewer Comment (2025-06-11): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-10): The HOI for xxxxxx was already in file and reviewed. It was included in the DTI. The current DTI is reflective of the HOI premium for this REO in the DTI.<br>Reviewer Comment (2025-06-06): The attached HOI is for the subject property and was already in file at time of review. This does not clear the condition. The condition comments are for the current primary residence.<br>Reviewer Comment (2025-06-02): Income re-calculated including Bonus and OT for B1 and OT (Other) income for B2 from the WVOE. DTI is still excessive at 51.36315%.<br>Reviewer Comment (2025-06-02): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of 53.30072% exceeds Guideline total debt ratio of 50.00000%.<br>Reviewer Comment (2025-05-27): HOI for REO provided post review. Increased DTI more.<br>Reviewer Comment (2025-05-27): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of 52.29803% exceeds Guideline total debt ratio of 50.00000%. |  |  | 06/11/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | C | B A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 833566 | xxxxxx | 33476737 | xxxxxx | 05/21/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-06-05): FTP provided | 06/05/2025 |  |  | 1 A | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | C | B A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 833566 | xxxxxx | 33476740 | xxxxxx | 05/21/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | ISAOA is missing | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. | Reviewer Comment (2025-06-11): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-03): As noted on xxxxxx, the HOI states the effective date for the endorsement that was was missing is xxxxxx which is post close and not acceptable. Investor can elect to waive with verified compensation factors.<br>Reviewer Comment (2025-05-29): Updated HOI received, however reflects effective date of endorsement is xxxxxx which is post close and not acceptable.<br>Reviewer Comment (2025-05-27): The HOI provided is not for the subject property. |  |  | 06/11/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | C | B A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 833566 | xxxxxx | 33476742 | xxxxxx | 05/21/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-06-05): FTP provided<br>Reviewer Comment (2025-05-30): Received Closing Protection Letter. However the document requested is for Title Supplemental Report reflecting the Title policy amount. Exception remains. | 06/05/2025 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | C | B A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 833566 | xxxxxx | 33476750 | xxxxxx | 05/21/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification |  |  | Reviewer Comment (2025-05-27): HOI provided | 05/27/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | C | B A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 833566 | xxxxxx | 33476752 | xxxxxx | 05/21/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the final stamped closing statement for the property xxxxxx to verifying the debts paid prior to closing. Estimate only in file. |  | Reviewer Comment (2025-05-27): Final settlement statement provided. Reflects printed by title company at bottom of page. Loan closed xxxxxx  | 05/27/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | C | B A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 833566 | xxxxxx | 33483323 | xxxxxx | 05/21/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines, when a second appraisal is provided, the transaction's "Appraised Value" will be the lower of the two appraisals. The value is within 10% of each other. The lender utilized the higher appraised value. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. | Reviewer Comment (2025-06-11): Client elects to waive with verified compensation factors |  |  | 06/11/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | C | B A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 833566 | xxxxxx | 33483370 | xxxxxx | 05/21/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Business Purpose Cert is missing. (Note: This is not the occupancy cert). |  | Reviewer Comment (2025-06-02): Received Business Purpose Certificate. Exception cleared. | 06/02/2025 |  |  | 1 C A | C | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | C | B A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 833566 | xxxxxx | 33483401 | xxxxxx | 05/21/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx VVOE - Employment Only | VVOE is dated > 10 days prior to the Note date. VVOE needs to be dated within 10 days prior to Note date or paystub dated within 30 days prior to Note date. |  | Reviewer Comment (2025-05-27): VVOE provided<br>Reviewer Comment (2025-05-22): The TWN was provided for xxxxxx which was in file at time of review. This is for the borrower, xxxxxx. VVOE is dated > 10 days prior to the Note date. VVOE needs to be dated within 10 days prior to Note date or paystub dated within 30 days prior to Note date. | 05/27/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | C | B A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 833566 | xxxxxx | 33483526 | xxxxxx | 05/21/2025 | Compliance | Compliance | Federal Compliance | TILA | TILA - Impermissible Prepayment Penalty | Truth in Lending Act (Dodd-Frank 2014): Covered transaction contains impermissible prepayment penalty. | Personal debt being paid through closing totaling $26,414. Consumer purpose investment. |  | Reviewer Comment (2025-06-27): Client elects to waive<br>Reviewer Comment (2025-06-27): Regraded to xxxxxx based on lender removing prepay and providing appropriate documentation to borrower.<br>Reviewer Comment (2025-06-24): Received corrected and executed DOT + Note, LOE to borrower, LOI, and cancelled rider and addendum. Pending receipt of evidence of delivery to the borrower prior to escalation for downgrade. |  |  | 06/27/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | C | B A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 833566 | xxxxxx | 33483527 | xxxxxx | 05/21/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 51.36315% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Per Final 1003, loan was approved with primary housing expenses of $4,497.00, however, taxes and insurance are not included in the mortgage payment. Review found primary housing expenses of $5,346.10 for P&I and Taxes. Insurance documentation is still pending. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. | Reviewer Comment (2025-06-11): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-10): The HOI for xxxxxx was already in file and reviewed. It was included in the DTI on xxxxxx The current DTI is reflective of the HOI premium for this REO in the DTI.<br>Reviewer Comment (2025-06-06): The attached HOI is for the subject property and was already in file at time of review. This does not clear the condition. The condition comments are for the current primary residence.<br>Reviewer Comment (2025-06-02): Income re-calculated including Bonus and OT for B1 and OT (Other) income for B2 from the WVOE. DTI is still excessive at 51.36315%.<br>Reviewer Comment (2025-06-02): EXCEPTION HISTORY - Exception Detail was updated on xxxxxx PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 53.30072% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.)<br>Reviewer Comment (2025-05-27): HOI for REO provided post review. Increased DTI more.<br>Reviewer Comment (2025-05-27): EXCEPTION HISTORY - Exception Detail was updated on xxxxxx PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 52.29803% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) |  |  | 06/11/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | C | B A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 833566 | xxxxxx | 33483528 | xxxxxx | 05/21/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $13,789.61 exceeds tolerance of $8,941.00. Insufficient or no cure was provided to the borrower. (7200) | Cure nor valid COC provided |  | Reviewer Comment (2025-05-28): SItusAMC received COC dated xxxxxx and xxxxxx .<br>Reviewer Comment (2025-05-23): SitusAMC received COC dated xxxxxx for increase in discount points. But exact reason for increase in points are missing. Please provide detailed reason why the pricing has changed or cure will be required. | 05/28/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | N/A | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 833566 | xxxxxx | 33483529 | xxxxxx | 05/21/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7505) | Cure nor valid COC provided |  | Reviewer Comment (2025-06-25): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check.<br>Reviewer Comment (2025-05-28): SitusAMC received COC dated xxxxxx but the reason provided is still not clear. Please provide more information about the change received to lender that was not known at the time of initial review. Provide detailed information for program requirement or cure will be required.<br>Reviewer Comment (2025-05-23): SitusAMC received COC dated xxxxxx for adding Desk Review fee due to required by program but the reason provided is not sufficient as to what change occurred in program that was unknown at the time of initial disclosures that required desk review fee. Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs. |  | 06/25/2025 |  | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | N/A | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 833566 | xxxxxx | 33483530 | xxxxxx | 05/21/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for 1007-Rent Schedule. Fee Amount of $125.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7543) | Cure nor valid COC provided |  | Reviewer Comment (2025-05-28): SItusAMC received COC dated xxxxxx and xxxxxx .<br>Reviewer Comment (2025-05-23): SitusAMC received COC dated xxxxxx for adding 1007 fee but the reason is not provided as to why 1007 is required and what new information lender has received that was unknown at the time of initial disclosures. Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs. | 05/28/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | N/A | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 833566 | xxxxxx | 33483536 | xxxxxx | 05/21/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Per Final 1003, loan was approved with primary housing expenses of $4,497.00, however, taxes and insurance are not included in the mortgage payment. Review found primary housing expenses of $5,346.10 for P&I and Taxes. Insurance documentation is still pending. |  | Reviewer Comment (2025-06-11): Client designation updated to Non-QM. Condition no longer applies.<br>Reviewer Comment (2025-06-10): The HOI for xxxxxx was already in file and reviewed. It was included in the DTI. The current DTI is reflective of the HOI premium for this REO in the DTI.<br>Reviewer Comment (2025-06-06): The attached HOI is for the subject property and was already in file at time of review. This does not clear the condition. The condition comments are for the current primary residence.<br>Reviewer Comment (2025-06-02): Income re-calculated including Bonus and OT for B1 and OT (Other) income for B2 from the WVOE. DTI is still excessive at 51.36315%. | 06/11/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | C | B A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 833566 | xxxxxx | 33483537 | xxxxxx | 05/21/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated xxxxxx). The disclosed Total of Payments in the amount of $2,573,528.50 is under disclosed by $149.72 compared to the calculated total of payments of $2,573,678.22 which exceeds the $100.00 threshold. (Final xxxxxx) | Total of Payments in the amount of $2,573,528.50 is under disclosed by $149.72 compared to the calculated total of payments of $2,573,678.22 |  | Reviewer Comment (2025-06-05): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD |  | 06/05/2025 |  | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | C | B A | N/A | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 833566 | xxxxxx | 33795578 | xxxxxx | 06/27/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Prepayment Penalty | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan contains a Prepayment Penalty. (Final xxxxxx) | PPP removed post close |  | Reviewer Comment (2025-06-27): Client elects to waive |  |  | 06/27/2025 | 2 B |  | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B | C | B A | N/A | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 833573 | xxxxxx | 33484443 | xxxxxx | 05/23/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, settlement agent, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-06-17): Received HUD/LDP. Exception cleared.<br>Reviewer Comment (2025-05-29): Received OFAC and SAM.gov for settlement agent, xxxxxx. Provide HUD/LDP or updated fraud report. Exception remains. | 06/17/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833573 | xxxxxx | 33499005 | xxxxxx | 05/23/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | PPP rider to the DOT does not reflect the Borrowing Entity. Provide the corrected and executed PPP Rider, LOE to borrower, evidence of delivery to the borrower and lender's intent to re-record. |  | Reviewer Comment (2025-06-30): Delivery notice provided<br>Reviewer Comment (2025-06-24): Received LOE to borrower and mailing label. Tracking reflects label created only. Must reflect a minimum of in transit.<br>Reviewer Comment (2025-06-11): Received executed PPP rider and Lender's LOI. Pending receipt of LOE to borrower and evidence of delivery to the borrower. Both are required to clear the condition. | 06/30/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833670 | xxxxxx | 33472747 | xxxxxx | 05/21/2025 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2025-05-26): Clearance LOE provided | 05/26/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833673 | xxxxxx | 33284886 | xxxxxx | 04/21/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | There is an executed PPP rider to the DOT and PPP addendum to the Note with different terms. If the PPP to the Note is correct, provide the corrected and executed PPP rider, LOE to borrower, lender's LOI and evidence of delivery to the borrower. If the PPP to the DOT is correct, provide the corrected and executed PPP addendum, LOE to borrower and evidence of delivery to the borrower. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-04-28): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-04-25): Please provide the corrected and executed PPP rider, LOE to borrower, lender's LOI, and evidence of delivery to the borrower. |  |  | 04/28/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833697 | xxxxxx | 33505245 | xxxxxx | 05/28/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bylaws not provided |  | The Bylaws in file does not reflect what company the Bylaws are for. Left blank on page 1. |  | Reviewer Comment (2025-06-03): Received update Bylaws reflecting xxxxxx name on page 1. Exception cleared. | 06/03/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833697 | xxxxxx | 33519472 | xxxxxx | 05/28/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  |  |  | Reviewer Comment (2025-06-03): Received HOA Questionnaire. Exception cleared. | 06/03/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833719 | xxxxxx | 33203803 | xxxxxx | 04/10/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Full Fraud report not provided. Must contain all participants. |  | Reviewer Comment (2025-04-18): Received Fraud report. Exception cleared. | 04/18/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833719 | xxxxxx | 33203805 | xxxxxx | 04/10/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  |  |  | Reviewer Comment (2025-04-23): Received Watch List, fraud and OFAC run on the settlement agent. Exception cleared.<br>Reviewer Comment (2025-04-18): Received Fraud Report however OFAC search not run on settlement agent xxxxxx. Exception remains. | 04/23/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833719 | xxxxxx | 33203807 | xxxxxx | 04/10/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  | Reviewer Comment (2025-04-16): OA provided | 04/16/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833719 | xxxxxx | 33203808 | xxxxxx | 04/10/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  |  |  | Reviewer Comment (2025-04-16): Tax cert provided | 04/16/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833719 | xxxxxx | 33203845 | xxxxxx | 04/10/2025 | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  |  |  | Reviewer Comment (2025-04-14): Title commitment provided | 04/14/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833719 | xxxxxx | 33208543 | xxxxxx | 04/10/2025 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | Business Loan Rider does not have the date completed on page 1. |  | Reviewer Comment (2025-05-01): Received LOE to borrower and evidence of delivery to borrower. Exception cleared.<br>Reviewer Comment (2025-04-30): Received corrected and recorded rider with date completed. Pending receipt of LOE to borrower and evidence of delivery to the borrower. | 05/01/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833719 | xxxxxx | 33208612 | xxxxxx | 04/10/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | HO6 does reflect mortgagee + ISAOA |  | Reviewer Comment (2025-04-14): Updated HO6 provided | 04/14/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833719 | xxxxxx | 33208634 | xxxxxx | 04/10/2025 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | First Time Investor's are not allowed on C/O transctions |  | Reviewer Comment (2025-04-18): Evidence of ownership provided in LLC along with property profile ownship from 2005-2024. Guarantor is experienced.<br>Reviewer Comment (2025-04-17): Per the property profile report, the property on xxxxxx was purchased on 8/2024 which is < 1 year ago. Property profile report for xxxxxx does not reflect the Guarantor nor the Borrowing Entity as the owner/seller within the past 36 months. On xxxxxx the property was purchased by xxxxxx (no evidence of ownership). Property Profile report for xxxxxx sold > 36 months ago, therefore cannot be included. Property profiled report not provided for the xxxxxx property also listed on the 1031 exchange.<br>Reviewer Comment (2025-04-16): The 1031 alone is not acceptable as it does not reflect length of ownership of properties. The property profile report is not acceptable as the 3 properties provided were sold > 36 months ago. | 04/18/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833726 | xxxxxx | 33314903 | xxxxxx | 04/24/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | There is an executed PPP rider to the DOT and PPP addendum to the Note with different terms (Note PPP reflects through 2028 and DOT rider reflects through 2029). If the PPP to the Note is correct, provide the corrected and executed PPP rider, LOE to borrower, lender's LOI and evidence of delivery to the borrower. If the PPP to the DOT is correct, provide the corrected and executed PPP addendum, LOE to borrower and evidence of delivery to the borrower. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-05-07): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-05): Received LOE to borrower, copy of correct PPP to the Note and a copy of an envelope. There is no evidence of borrower delivery as mail via the USPS cannot be tracked unless tracking was obtained. Provide an LOE from the borrower indicating date they received the documents or other evidence of delivery.<br>Reviewer Comment (2025-05-01): Per client they are not requiring corrections to the PPP rider to the DOT if incorrect. Seller comments indicate PPP addendum to the Note is correct. Provide LOE to borrower explaining which document has the correct terms for PPP and evidence of delivery to the borrower.<br>Reviewer Comment (2025-04-29): Please review the original condition. If the PPP to the Note is correct, provide the corrected and executed PPP rider to the DOT, LOE to borrower, lender's LOI and evidence of delivery to the borrower. |  |  | 05/07/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833737 | xxxxxx | 33297358 | xxxxxx | 04/23/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-04-29): FTP provided | 04/29/2025 |  |  | 1 A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 833737 | xxxxxx | 33297365 | xxxxxx | 04/23/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-04-29): FTP provided | 04/29/2025 |  |  | 1 B A | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 833737 | xxxxxx | 33323460 | xxxxxx | 04/23/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The second installment of property taxes are due and delinquent after xxxxxx These were not paid through closing and the senior lien is not escrowed. Provide the clear title policy reflecting taxes paid. |  | Reviewer Comment (2025-04-29): Clear FTP provided | 04/29/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 833737 | xxxxxx | 33323516 | xxxxxx | 04/23/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Start Date for business | The business being used to source income must be in existence for a minimum of two (2) years as evidenced by one of the following: CPA Letter, or Business License, or Other reasonable evidence of business activity. CPA letter does not verify start date or duration and only the borrower completed business narrative reflects a start date. |  | Reviewer Comment (2025-04-25): Received certificate of good standing stating the start date of the business. Exception cleared. | 04/25/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 833737 | xxxxxx | 33367445 | xxxxxx | 04/29/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The FTP provided post review does not reflect the PUD endorsement and reflects property is an SFD vs. PUD. |  | Reviewer Comment (2025-05-01): PUD endorsement page to FTP provided | 05/01/2025 |  |  | 1 A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 833761 | xxxxxx | 33541226 | xxxxxx | 06/05/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Property - xxxxxx - VOM required for borrower(s) that are homeowners, and when mortgage payment history is not reflected on the credit report. Please note, if a VOM is being used, the investor overlays to lender's guidelines automatically a 6 month borrower pay history in addition to. Property profile report reflects $xxxxxx lien taken out xxxxxx . |  | Reviewer Comment (2025-06-12): Received cancel checks, ACH payment, bank transfer to verify housing history. Exception cleared. | 06/12/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 833777 | xxxxxx | 33548510 | xxxxxx | 05/12/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xxxxxx , prior to three (3) business days from transaction date of xxxxxx . | Subject loan transaction disbursed on xxxxxx , prior to three business days from transaction date of xxxxxx . |  | Reviewer Comment (2025-05-20): Received updated CD<br>Reviewer Comment (2025-05-15): Received Closing Disclosure date Issued xxxxxx is already provided in file and it reflects Disbursement Date xxxxxx . Please provide complete Closing Disclosure reflecting Disbursement Date xxxxxx . Exception remains.<br>Reviewer Comment (2025-05-14): Received Closing Disclosure is incomplete, missing page 1 Issue date, Product, Loan Type, Appraised value, Estimated Taxes, insurance & Assessments and page 5 Loan Calculation information. Please provide complete closing disclosure. Exception remains. | 05/20/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 833777 | xxxxxx | 33548511 | xxxxxx | 05/12/2025 | Compliance | Compliance | State Compliance | Misc. State Level | xxxxxx Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided Timely) | xxxxxx Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure at Closing. |  |  | Reviewer Comment (2025-05-14): Received xxxxxx Right Not To Close Disclosure signed and dated at closing. | 05/14/2025 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833777 | xxxxxx | 33548512 | xxxxxx | 05/12/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject property has a 2nd mortgage lien on title. There is a payoff in the file, however the mortgage was not paid off at closing. Please provide evidence the 2nd mortgage is paid in full, closed out if necessary and satisfied. |  | Reviewer Comment (2025-05-20): Cleared. Received updated CD reflecting payoff of 2nd mortgage.<br>Reviewer Comment (2025-05-15): Received Closing Disclosure date Issued xxxxxx is already provided in file, which does not reflect the 2nd mortgage lien payoff. Please provide complete Closing Disclosure reflecting 2nd mortgage lien payoff. Exception remains.<br>Reviewer Comment (2025-05-14): Received Closing Disclosure is incomplete, missing page 1 Issue date, Product, Loan Type, Appraised value, Estimated Taxes, insurance & Assessments and page 5 Loan Calculation information. Please provide complete closing disclosure. Exception remains. | 05/20/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833777 | xxxxxx | 33548513 | xxxxxx | 05/12/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 54.15428% exceeds Guideline total debt ratio of 50.00000%. | DTI exceeds maximum allowed. No rental income was used on borrower's investment properties. |  | Reviewer Comment (2025-05-15): Re-validated the REO properties. Excluded the PITIA for the property xxxxxx as the payments are paid by the business account and bank statements are provided to validate the amount. Exception cleared.<br>Reviewer Comment (2025-05-14): Excluded the PITIA for the property xxxxxx since the business pays the payment and xxxxxx were already excluded due to less than 10 payment remaining, but the DTI 51.84863% is still greater than 50.00%. Exception remains. | 05/15/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833777 | xxxxxx | 33548514 | xxxxxx | 05/12/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | DTI exceeds maximum allowed. No rental income was used on borrower's investment properties. |  | Reviewer Comment (2025-05-15): Re-validated the REO properties. Excluded the PITIA for the property xxxxxx as the payments are paid by the business account and bank statements are provided to validate the amount. Exception cleared.<br>Reviewer Comment (2025-05-14): Excluded the PITIA for the property xxxxxx since the business pays the payment and xxxxxx were already excluded due to less than 10 payment remaining, but the DTI 51.84863% is still greater than 50.00%. Exception remains. | 05/15/2025 |  |  | 1 B A C | C | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 833777 | xxxxxx | 33548515 | xxxxxx | 05/12/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | DTI exceeds maximum allowed. No rental income was used on borrower's investment properties. |  | Reviewer Comment (2025-05-15): Re-validated the REO properties. Excluded the PITIA for the property xxxxxx as the payments are paid by the business account and bank statements are provided to validate the amount. Exception cleared.<br>Reviewer Comment (2025-05-14): Excluded the PITIA for the property xxxxxx since the business pays the payment and xxxxxx were already excluded due to less than 10 payment remaining, but the DTI 51.84863% is still greater than 50.00%. Exception remains. | 05/15/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833777 | xxxxxx | 33548516 | xxxxxx | 05/12/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 54.15428% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | DTI exceeds maximum allowed. No rental income was used on borrower's investment properties. |  | Reviewer Comment (2025-05-15): Re-validated the REO properties. Excluded the PITIA for the property xxxxxx as the payments are paid by the business account and bank statements are provided to validate the amount. Exception cleared.<br>Reviewer Comment (2025-05-14): Excluded the PITIA for the property xxxxxx since the business pays the payment and xxxxxx were already excluded due to less than 10 payment remaining, but the DTI 51.84863% is still greater than 50.00%. Exception remains. | 05/15/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833777 | xxxxxx | 33548517 | xxxxxx | 05/12/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File is missing the most recent 12 month pay history for the 1st/2nd for the subject property and for xxxxxx. |  | Reviewer Comment (2025-05-20): Cleared. Received pay history. | 05/20/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833777 | xxxxxx | 33548518 | xxxxxx | 05/20/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $500.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (9300) |  |  | Reviewer Comment (2025-05-20): Sufficient Cure Provided At Closing |  | 05/20/2025 |  | 1 A |  | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 833827 | xxxxxx | 33288299 | xxxxxx | 04/22/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Note shows xxxxxx vs Flood certificate xxxxxx |  | Reviewer Comment (2025-04-29): Flood Cert provided | 04/29/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833827 | xxxxxx | 33288300 | xxxxxx | 04/22/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-04-24): FTP provided | 04/24/2025 |  |  | 1 A | A | A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833827 | xxxxxx | 33288304 | xxxxxx | 04/22/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title did not reflect the title coverage amount. Supplemental report not in file. |  | Reviewer Comment (2025-04-24): FTP provided | 04/24/2025 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833827 | xxxxxx | 33288313 | xxxxxx | 04/22/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | Note shows xxxxxx vs CDA xxxxxx unit xxxxxx |  | Reviewer Comment (2025-04-30): Updated CDA provided | 04/30/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833827 | xxxxxx | 33304358 | xxxxxx | 04/22/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Policy: Address xxxxxx and Note address xxxxxx |  | Reviewer Comment (2025-04-24): FTP provided | 04/24/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833827 | xxxxxx | 33304395 | xxxxxx | 04/22/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Final CD reflects a disbursement date prior to consummation. There is a PC-CD in file with an updated disbursement date, however final stamped settlement statement was not provided to support. |  | Reviewer Comment (2025-04-24): Final stamped settlement statement provided | 04/24/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833828 | xxxxxx | 33200386 | xxxxxx | 04/10/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Provide evidence of ownership and ownership % in xxxxxx(accounts xxxxxx) |  | Reviewer Comment (2025-04-24): Received Evidence of Access to Fund. Exception cleared. | 04/24/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833828 | xxxxxx | 33200434 | xxxxxx | 04/10/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, seller, xxxxxx, and settlement agent, xxxxxx, were not included in the report. |  | Reviewer Comment (2025-04-24): Received fraud and OFAC search run on the individual name of the seller, xxxxxx. Exception cleared.<br>Reviewer Comment (2025-04-17): Received Mortgage Participant Report, fraud and OFAC run on the settlement agent, however, fraud and OFAC not run on the individual name of the seller, xxxxxx. Exception remains. | 04/24/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833828 | xxxxxx | 33208147 | xxxxxx | 04/10/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The appraisal in file has a completion date of xxxxxx which is post-close. Provide the pre-close appraisal. |  | Reviewer Comment (2025-04-18): Preclose appraisal provided | 04/18/2025 |  |  | 1 D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833846 | xxxxxx | 33315850 | xxxxxx | 04/28/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.82 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Minimum DSCR requirement for First time Investor is 1.00; exception for <1.00. Investor Exception in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-04-23): Client elects to waive with verified compensation factors |  |  | 04/23/2025 | 2 B | B | B | xxxxxx | xxxxxx | Investment | Purchase | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833868 | xxxxxx | 33438856 | xxxxxx | 05/15/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $96.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7505) | The Appraisal Desk Review Fee was not disclosed on Initial Loan Estimate and was later disclosed on the Loan Estimate dated xxxxxx as $126.00. No valid COC or cure was provided. The COC in file reflects the fee was added due to information based on property valuation and updated fees received and accordingly which is not a valid COC. More information is required to determine validity. |  | Reviewer Comment (2025-05-27): SitusAMC received a valid COC.<br>Reviewer Comment (2025-05-19): SitusAMC received Changed Circumstance dated xxxxxx but it does not give sufficient information on why the Appraisal desk review fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. | 05/27/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 833868 | xxxxxx | 33441367 | xxxxxx | 05/15/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-05-13): Client elects to waive |  |  | 05/13/2025 | 2 B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 833907 | xxxxxx | 33489637 | xxxxxx | 05/23/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-05-27): E-consent provided | 05/27/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 833907 | xxxxxx | 33489680 | xxxxxx | 05/23/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2025-05-28): Received Credit Report Comparison dated xxxxxx . Exception cleared. | 05/28/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 833907 | xxxxxx | 33489955 | xxxxxx | 05/23/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-05-22): Client elects to waive |  |  | 05/22/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 833907 | xxxxxx | 33489959 | xxxxxx | 05/23/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | The Borrower was not provided with list of service providers. |  | Reviewer Comment (2025-06-06): SitusAMC received SSPL | 06/06/2025 |  |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 833907 | xxxxxx | 33490062 | xxxxxx | 05/23/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,646.48 exceeds tolerance of $2,039.00 plus 10% or $2,242.90. Insufficient or no cure was provided to the borrower. xxxxxx | Ten Percent Fee Tolerance exceeded. Total amount of $2,646.48 exceeds tolerance of $2,039.00 plus 10% or $2,242.90. Insufficient or no cure was provided to the borrower. |  | Reviewer Comment (2025-06-06): SitusAMC received SSPL | 06/06/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 833907 | xxxxxx | 33490063 | xxxxxx | 05/23/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $8,510.00 exceeds tolerance of $8,400.00. Insufficient or no cure was provided to the borrower. (7200) | The Loan Discount Points Fee on the Loan Estimate dated xxxxxx was $8,400.00; however, the final Closing Disclosure reflects $8,510.00 without a valid change of circumstance. |  | Reviewer Comment (2025-05-28): SitusAMC received COC dated xxxxxx  | 05/28/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 833907 | xxxxxx | 33490064 | xxxxxx | 05/23/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $165.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7505) | The Appraisal Desk Review Fees on the Loan Estimate dated xxxxxx was $0; however, the final Closing Disclosure reflects $165.00 without a valid change of circumstance. |  | Reviewer Comment (2025-06-06): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check.<br>Reviewer Comment (2025-06-04): SitusAMC received Post CD,LOX and proof of mailing. However, we would also require Copy of refund check in order to cure the exception.<br>Reviewer Comment (2025-05-28): SitusAMC received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. |  | 06/06/2025 |  | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 833907 | xxxxxx | 33490065 | xxxxxx | 05/23/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $3,568.33 exceeds tolerance of $3,550.00. Insufficient or no cure was provided to the borrower. (8304) | Lender cure of $18.33 is reflecting on Final CD, however due to multiple violations, this will be addressed after all other tolerance violations are addressed. |  | Reviewer Comment (2025-06-16): Exception cured at closing. |  | 06/16/2025 |  | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 833907 | xxxxxx | 33504877 | xxxxxx | 05/23/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  | The appraisal reflects PUD, however the DOT does not have a PUD rider attached. Provide the corrected and executed DOT, executed PUD rider, LOE to borrower, evidence of delivery to borrower and lender's letter of intent to re-record. |  | Reviewer Comment (2025-07-01): LOE and evidence of delivery provided.<br>Reviewer Comment (2025-06-27): Received corrected DOT with LOI and executed PUD rider. Pending receipt of LOE to borrower and evidence of delivery to the borrower. | 07/01/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 833907 | xxxxxx | 33504962 | xxxxxx | 05/23/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Installment Debt for xxxxxx: Payments can be excluded if there are 10 or fewer monthly payments remaining to pay the debt in full. If the payment is substantial and exceeds 5% of the borrower's qualifying income, the overall transaction should be reviewed to ensure the remaining payments will not impact the borrower's ability to handle the new mortgage payment. The monthly payment is > 5% of the borrower's total income and if added to DTI, DTI would exceed max of 50% which would affect ATR. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-29): Client elects to waive with verified compensation factors |  |  | 05/29/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 834045 | xxxxxx | 33231195 | xxxxxx | 04/16/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or UDM report is required no more than 30 days prior to loan closing. |  | Reviewer Comment (2025-04-21): Received gap credit report. Exception cleared. | 04/21/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 834045 | xxxxxx | 33249428 | xxxxxx | 04/16/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $175.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103) | The COC in file reflects the appraisal was received on xxxxxx requiring additional services (442), however the fee was not disclosed until xxxxxx which is outside of the 3 day timing requirement. |  | Reviewer Comment (2025-04-28): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-04-21): SitusAMC received log, but it doesn't give sufficient information on why the reinspection was added as appraisal was completed "as is". Please provide additional information or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. |  | 04/28/2025 |  | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 834045 | xxxxxx | 33249496 | xxxxxx | 04/16/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The preparer provided an expense factor, however the preparer does not reference the business being verified. |  | Reviewer Comment (2025-05-01): Client is accepting email from CPA which references business, CPA letter with expense factor as is with no business mention and SunBiz that reflects a search of borrower's name with no additional businesses found.<br>Reviewer Comment (2025-05-01): The same CPA letter was provided that was previously provided. It does not list the business the expense factor was provided for.<br>Reviewer Comment (2025-04-25): Received email was already in file which reflects only last name of the borrower. Exception remains. | 05/01/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 834132 | xxxxxx | 33317785 | xxxxxx | 04/28/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial xxxxxx) | Evidence of earlier receipt not provided. |  | Reviewer Comment (2025-04-29): SitusAMC received xxxxxx CD 3 business days prior to consummation. | 04/29/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 834132 | xxxxxx | 33317786 | xxxxxx | 04/28/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-12.40 exceeds tolerance of $-190.00. Insufficient or no cure was provided to the borrower. (9300) | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-12.40 exceeds tolerance of $-190.00. Insufficient or no cure was provided to the borrower. |  | Reviewer Comment (2025-05-07): SItusAMC received LOE and rate lock to validate the pricing change.<br>Reviewer Comment (2025-05-06): SitusAMC received rebuttal comment and LOE with rate lock. from the provided documents we are unable to identify the pricing hit. Please provide previous rate lock to compare the pricing change.<br>Reviewer Comment (2025-04-30): SitusAMC received rebuttal comment. However, in general 1026.19(e)(3) may be used for guidance. In this case, the loan amount reduced. If there was no pricing change, interest rate change, or program change that may have influenced pricing located in the loan file. As such, the lender credit should have reduced by the same rate if all other factors remained constant. Since the change in lender credit was disproportionate to the loan amount reduction the change is not allowed or there are other changes that were not noted in the VCC. Please provide documentation of the changes, including the date the lender became aware of the changes, or provide a cure.<br>Reviewer Comment (2025-04-29): SitusAMC Received COC dated xxxxxx states loan amount changed; however, Lender Credit did not decrease proportionate to loan amount change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. | 05/07/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 834132 | xxxxxx | 33317787 | xxxxxx | 04/28/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $170.09 exceeds tolerance of $150.00. Insufficient or no cure was provided to the borrower. (7520) | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $170.09 exceeds tolerance of $150.00. Insufficient or no cure was provided to the borrower. |  | Reviewer Comment (2025-04-30): SitusAMC: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception. | 04/30/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 834132 | xxxxxx | 33343610 | xxxxxx | 04/28/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Provide the deed transferring the property to only the borrower. |  | Reviewer Comment (2025-04-29): Deed provided<br>Reviewer Comment (2025-04-29): Received Quit Claim Deed is not recorded. Provide recorded Quit Claim Deed. Exception remains. | 04/29/2025 |  |  | 1 D A | N/A | N/A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 834132 | xxxxxx | 33343615 | xxxxxx | 04/28/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided |  | Per the title, borrower was previously married (item 8) and not is divorced. Provide the divorce decree. |  | Reviewer Comment (2025-05-02): Received Divorce Degree and corrected 1003. Exception cleared.<br>Reviewer Comment (2025-04-29): Received Quit Claim Deed is not acceptable. Divorce Decree is required for the dissolution of marriage. Exception remains. | 05/02/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 834132 | xxxxxx | 33420876 | xxxxxx | 05/07/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $170.09 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  | Reviewer Comment (2025-05-07): Sufficient Cure Provided At Closing |  | 05/07/2025 |  | 1 A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 834143 | xxxxxx | 33436021 | xxxxxx | 05/14/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-05-15): E-consent provided | 05/15/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 834143 | xxxxxx | 33436036 | xxxxxx | 05/14/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter | CPA letter is more than 120 days old; please provide recent document (from xxxxxx). |  | Reviewer Comment (2025-05-27): Received CPA Letter dated xxxxxx . Exception cleared. | 05/27/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 834143 | xxxxxx | 33436058 | xxxxxx | 05/14/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-05-12): Client elects to waive |  |  | 05/12/2025 | 2 B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 834143 | xxxxxx | 33436061 | xxxxxx | 05/14/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | Evidence of earlier receipt not provided |  | Reviewer Comment (2025-05-16): SitusAMC received xxxxxx CD 3 business days prior to consummation. | 05/16/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 834143 | xxxxxx | 33436062 | xxxxxx | 05/14/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $87.95 exceeds tolerance of $55.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  | Reviewer Comment (2025-05-09): Sufficient Cure Provided At Closing |  | 05/09/2025 |  | 1 A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 834143 | xxxxxx | 33436152 | xxxxxx | 05/14/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report and OFAC not run on settlement agent, xxxxxx |  | Reviewer Comment (2025-05-21): Received updated fraud report. Fraud and OFAC search run on the settlement agent. Exception cleared. | 05/21/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 834156 | xxxxxx | 33423760 | xxxxxx | 05/12/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Final 1003 reflects incorrect primary property address in REO section xxxxxx. Provide corrected 1003. |  | Reviewer Comment (2025-05-14): Received corrected 1003. Exception cleared. | 05/14/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D A C | C | A D | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834156 | xxxxxx | 33423793 | xxxxxx | 05/12/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-05-14): Received CDA. Exception cleared. | 05/14/2025 |  |  | 1 D A | D | A D | xxxxxx | xxxxxx | Primary | Purchase | D A C | C | A D | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834156 | xxxxxx | 33423817 | xxxxxx | 05/12/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial xxxxxx) | Evidence of earlier receipt not provided |  | Reviewer Comment (2025-06-05): SitusAMC Earliest E-Consent dated xxxxxx | 06/05/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D A C | C | A D | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834156 | xxxxxx | 33428286 | xxxxxx | 05/12/2025 | Compliance | Compliance | State Compliance | State Defect | xxxxxx Residential Mortgage Lender, Broker, and Servicer Act (Borrower Not Charged for Actual Amounts of Third Party Fees) | xxxxxx Residential Mortgage Lender, Broker and Servicer Act: No evidence in file to support that the borrower was charged the actual amounts for all third party fees. | Invoice in file only for appraisal fee. Each third party fee requires an invoice. |  | Reviewer Comment (2025-06-09): Invoices provided and refund<br>Reviewer Comment (2025-06-05): Received invoices for county recording, title and flood. Still pending receipt of tax service fee invoice. A lender credit of $65 per the LOE to borrower was applied post-close, however a general credit cannot be applied. Provide a copy of the check and evidence of delivery to the borrower or the invoice for the tax service fee.<br>Reviewer Comment (2025-06-03): The only invoice provided again was for the credit report. As noted on xxxxxx, all third party invoices are required (anything paid to a third party, up to and including title fees, flood cert and tax service fee). Further, the LOE provided states a refund was provided for the tax service fee, however the check nor evidence of delivery were provided either to avoid the invoice for this fee.<br>Reviewer Comment (2025-05-19): Appraisal and credit invoice attached. Still need all other third party invoices (anything paid to a third party, up to and including title fees). | 06/09/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D A C | C | A D | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834237 | xxxxxx | 33317990 | xxxxxx | 04/24/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception for single entity ownership exceeds guideline max of 20%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-04-28): Client elects to waive with verified compensation factors |  |  | 04/28/2025 | 2 B | B | B | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 834237 | xxxxxx | 33317995 | xxxxxx | 04/24/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception for investment concentration > 60%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-04-28): Client elects to waive with verified compensation factors |  |  | 04/28/2025 | 2 B | B | B | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 834237 | xxxxxx | 33332424 | xxxxxx | 04/24/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | xxxxxx: 1) 2023/2024 personal tax returns are not signed and dated by the borrower & the 2024 business returns are not signed and dated by the borrower. Transcripts cannot be utilized in lieu of. 2) 2024 P&L is not signed and dated by the borrower as required by guidelines. Also, not signed and dated by the preparer. Says at the bottom "prepared without audit and see attached preparation letter, but no letter was attached. 3) The 2025 YTD P&L was not provided as required per guidelines when last tax return is > 120 days old. Only gap P&L for 2024 was provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-06-11): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-10): Received preparation letter for 2024 P&L. However, 2025 YTD P&L at the bottom it says "prepared without audit and see attached preparation letter, received letter is dated post closing. Provide preparation letter for P&L 2025 prior to closing. Exception remains.<br>Reviewer Comment (2025-05-06): Per updated guidance, if tax and business transcripts are in file, then the tax and business returns do not need to be signed and dated by the borrower. Item#1 met. Still need item #2 and 3. |  |  | 06/11/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 834237 | xxxxxx | 33332659 | xxxxxx | 04/24/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the Cert of Good Standing for the Borrowing Entity. |  | Reviewer Comment (2025-05-08): Received Certificate of Good Standing for the Borrowing Entity. Exception cleared.<br>Reviewer Comment (2025-05-02): Received Business Search is for xxxxxx. However, the document requested is for borrowing entity, xxxxxx, a xxxxxx. Exception remains. | 05/08/2025 |  |  | 1 C A | C | A D | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 834237 | xxxxxx | 33332729 | xxxxxx | 04/24/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | The CDA reflects risk score High with an additional review as recommended on page 1. On page 2, for the question "Do you recommend an additional review to be conducted on this appraisal? reflects "Yes, an additional review is not recommended. CDA needs to be updated with appropriate data. (Note: There are conflicting CU scores in file, so a secondary valuation is required per guidelines.) |  | Reviewer Comment (2025-06-06): Per client, accepting CDA since within 10%.<br>Reviewer Comment (2025-06-03): CDA updated to additional review is required with a risk score of High. Value is within 10% of appraised value. Assigned to investor to advise if they are accepting or requiring an additional review. | 06/06/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 834237 | xxxxxx | 33332837 | xxxxxx | 04/24/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | CDA unit number does not match the Note. |  | Reviewer Comment (2025-06-03): Updated CDA provided | 06/03/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 834239 | xxxxxx | 33244759 | xxxxxx | 04/16/2025 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (2025-04-24): Received Flood Certificate. Exception cleared. | 04/24/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834239 | xxxxxx | 33244760 | xxxxxx | 04/16/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-04-24): Received Approval. Exception cleared. | 04/24/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834239 | xxxxxx | 33244825 | xxxxxx | 04/16/2025 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date xxxxxx, Disbursement date: xxxxxx | Wet State: The Hazard Insurance Policy Effective Date is after the later of the note or transaction date. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-02): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-04-24): xxxxxx is a Wet States. Wet states require the HOI to be in effect at or prior to closing. Dry states allow at disbursement. |  |  | 05/02/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834239 | xxxxxx | 33248014 | xxxxxx | 04/16/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participant, authorized signor for seller, xxxxxx, and settlement agent (unable to determine settlement agent name) |  | Reviewer Comment (2025-05-05): Received Background Check for settlement agent. Exception cleared.<br>Reviewer Comment (2025-04-29): Received background check for seller. Provide document for settlement agent (unable to determine settlement agent name), along with fraud and OFAC search. Exception remains. | 05/05/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834248 | xxxxxx | 33217737 | xxxxxx | 04/14/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-04-22): Received Final Title Policy reflecting sufficient coverage amount. Exception cleared. | 04/22/2025 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 834248 | xxxxxx | 33217741 | xxxxxx | 04/14/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-04-23): Received Title Final. Exception cleared. | 04/23/2025 |  |  | 1 A | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 834248 | xxxxxx | 33217800 | xxxxxx | 04/14/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-04-22): Approval provided | 04/22/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 834248 | xxxxxx | 33231506 | xxxxxx | 04/14/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing the Business Purpose Certificate. |  | Reviewer Comment (2025-04-23): Received Business Purpose Certificate. Exception cleared.<br>Reviewer Comment (2025-04-22): Received the same occupancy certificate which was already provided in the file. Provide a signed and completed Business Purpose Certificate. Exception remains. | 04/23/2025 |  |  | 1 C A | C | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 834309 | xxxxxx | 33583357 | xxxxxx | 06/10/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-06-17): CU scores provided < 2.5 | 06/17/2025 |  |  | 1 D A | D | A D | xxxxxx | xxxxxx | Primary | Purchase | D B C | C | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834309 | xxxxxx | 33583785 | xxxxxx | 06/10/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-06-09): Client elects to waive |  |  | 06/09/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | D B C | C | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834309 | xxxxxx | 33584469 | xxxxxx | 06/10/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $334.50 exceeds tolerance of $155.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  | Reviewer Comment (2025-06-05): Sufficient Cure Provided At Closing |  | 06/05/2025 |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B | C | B D A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 834309 | xxxxxx | 33584470 | xxxxxx | 06/10/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $5,540.05 exceeds tolerance of $5,214.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) |  |  | Reviewer Comment (2025-06-05): Sufficient Cure Provided At Closing |  | 06/05/2025 |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B | C | B D A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 834309 | xxxxxx | 33606378 | xxxxxx | 06/10/2025 | Credit | Guideline | Guideline Issue | Guideline | Program Guidelines require the borrower has been in business for a minimum of 2 years. |  | Investor exception: Business used for qualifying has been in existence for less than 2 years due to the ongoing business practices of xxxxxx. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-09): Client elect to waive with verified compensation factors |  |  | 06/09/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | D B C | C | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834309 | xxxxxx | 33606542 | xxxxxx | 06/10/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Provide evidence of ownership % for xxxxxx. Merged with xxxxxx per borrower LOE to form xxxxxx. |  | Reviewer Comment (2025-06-26): Received Operating Agreement for xxxxxx. Exception cleared. | 06/26/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B C | C | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834309 | xxxxxx | 33606702 | xxxxxx | 06/10/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to missing income documents |  | Reviewer Comment (2025-06-30): Missing OA provided for LLC | 06/30/2025 |  |  | 1 B A C | C | A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation B C | C | B D A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 834309 | xxxxxx | 33606703 | xxxxxx | 06/10/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to missing income documents |  | Reviewer Comment (2025-06-30): Missing OA provided for LLC | 06/30/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B C | C | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834364 | xxxxxx | 33334806 | xxxxxx | 04/29/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | Disaster Name: xxxxxx<br> Disaster Declaration Date: xxxxxx <br> Disaster End Date: xxxxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xxxxxx | Reviewer Comment (2025-04-28): Appraisal comments made xxxxxx : No Damage |  |  | 04/28/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834364 | xxxxxx | 33334951 | xxxxxx | 04/29/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $258.00 exceeds tolerance of $200.00 plus 10% or $220.00. Sufficient or excess cure was provided to the borrower. xxxxxx |  |  | Reviewer Comment (2025-04-23): Sufficient Cure Provided within 60 Days of Closing |  | 04/23/2025 |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 834364 | xxxxxx | 33361997 | xxxxxx | 04/29/2025 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | Most of the title fees were paid to an escrow division of the lender. |  | Reviewer Comment (2025-06-05): HOEPA points and fees exception cured.<br>Reviewer Comment (2025-05-29): The LOE does not clear the condition. The option letter must be provided in order to meet the HOEPA cure requirements. The lender just stating we provided the option is not acceptable.<br>Reviewer Comment (2025-05-20): Received copy check, mailing label (reflects delivered), borrower LOE on refund. However, HOEPA cure violations are very specific on what is needed. The lender needed to provide the borrower with a choice letter on either to accept a refund and make the loan non-high cost or to keep loan as high cost and make loan compliant. The borrower LOE reads that they were just informed they were getting a refund vs. being provided a choice. The choice letter is required and mandatory per the cure provisions. Once received, this can be escalated for review.<br>Reviewer Comment (2025-04-30): Please review the original condition comments. Most of the title fees were paid to an escrow division of the lender. Therefore, they fees included in the HOEPA/HC analysis. | 06/05/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834364 | xxxxxx | 33361998 | xxxxxx | 04/29/2025 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | Most of the title fees were paid to an escrow division of the lender. |  | Reviewer Comment (2025-06-05): HOEPA points and fees exception cured.<br>Reviewer Comment (2025-05-29): The LOE does not clear the condition. The option letter must be provided in order to meet the HOEPA cure requirements. The lender just stating we provided the option is not acceptable.<br>Reviewer Comment (2025-05-20): Received copy check, mailing label (reflects delivered), borrower LOE on refund. However, HOEPA cure violations are very specific on what is needed. The lender needed to provide the borrower with a choice letter on either to accept a refund and make the loan non-high cost or to keep loan as high cost and make loan compliant. The borrower LOE reads that they were just informed they were getting a refund vs. being provided a choice. The choice letter is required and mandatory per the cure provisions. Once received, this can be escalated for review.<br>Reviewer Comment (2025-04-30): Please review the original condition comments. Most of the title fees were paid to an escrow division of the lender. Therefore, they fees included in the HOEPA/HC analysis. | 06/05/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834364 | xxxxxx | 33361999 | xxxxxx | 04/29/2025 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | Most of the title fees were paid to an escrow division of the lender. |  | Reviewer Comment (2025-06-05): HOEPA points and fees exception cured.<br>Reviewer Comment (2025-05-29): The LOE does not clear the condition. The option letter must be provided in order to meet the HOEPA cure requirements. The lender just stating we provided the option is not acceptable.<br>Reviewer Comment (2025-05-20): Received copy check, mailing label (reflects delivered), borrower LOE on refund. However, HOEPA cure violations are very specific on what is needed. The lender needed to provide the borrower with a choice letter on either to accept a refund and make the loan non-high cost or to keep loan as high cost and make loan compliant. The borrower LOE reads that they were just informed they were getting a refund vs. being provided a choice. The choice letter is required and mandatory per the cure provisions. Once received, this can be escalated for review.<br>Reviewer Comment (2025-04-30): Please review the original condition comments. Most of the title fees were paid to an escrow division of the lender. Therefore, they fees included in the HOEPA/HC analysis. | 06/05/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834364 | xxxxxx | 33362000 | xxxxxx | 04/29/2025 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | Most of the title fees were paid to an escrow division of the lender. |  | Reviewer Comment (2025-06-05): HOEPA points and fees exception cured.<br>Reviewer Comment (2025-05-29): The LOE does not clear the condition. The option letter must be provided in order to meet the HOEPA cure requirements. The lender just stating we provided the option is not acceptable.<br>Reviewer Comment (2025-05-20): Received copy check, mailing label (reflects delivered), borrower LOE on refund. However, HOEPA cure violations are very specific on what is needed. The lender needed to provide the borrower with a choice letter on either to accept a refund and make the loan non-high cost or to keep loan as high cost and make loan compliant. The borrower LOE reads that they were just informed they were getting a refund vs. being provided a choice. The choice letter is required and mandatory per the cure provisions. Once received, this can be escalated for review.<br>Reviewer Comment (2025-04-30): Please review the original condition comments. Most of the title fees were paid to an escrow division of the lender. Therefore, they fees included in the HOEPA/HC analysis. | 06/05/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834364 | xxxxxx | 33362001 | xxxxxx | 04/29/2025 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of 5.02687% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an allowable total of xxxxxx (an overage of xxxxxx or .02687%). Non-Compliant High Cost Loan. | Most of the title fees were paid to an escrow division of the lender. |  | Reviewer Comment (2025-06-05): SitusAMC received Signed letter from borrower indicating their choice to accept refund and make loan non-high-cost, copy of refund check and proof of mailing.<br>Reviewer Comment (2025-05-29): The LOE does not clear the condition. The option letter must be provided in order to meet the HOEPA cure requirements. The lender just stating we provided the option is not acceptable.<br>Reviewer Comment (2025-05-20): Received copy check, mailing label (reflects delivered), borrower LOE on refund. However, HOEPA cure violations are very specific on what is needed. The lender needed to provide the borrower with a choice letter on either to accept a refund and make the loan non-high cost or to keep loan as high cost and make loan compliant. The borrower LOE reads that they were just informed they were getting a refund vs. being provided a choice. The choice letter is required and mandatory per the cure provisions. Once received, this can be escalated for review.<br>Reviewer Comment (2025-04-30): Please review the original condition comments. Most of the title fees were paid to an escrow division of the lender. Therefore, they fees included in the HOEPA/HC analysis. |  | 06/05/2025 |  | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 834364 | xxxxxx | 33362003 | xxxxxx | 04/29/2025 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | Most of the title fees were paid to an escrow division of the lender. |  | Reviewer Comment (2025-06-05): HOEPA points and fees exception cured.<br>Reviewer Comment (2025-05-29): The LOE does not clear the condition. The option letter must be provided in order to meet the HOEPA cure requirements. The lender just stating we provided the option is not acceptable.<br>Reviewer Comment (2025-05-20): Received copy check, mailing label (reflects delivered), borrower LOE on refund. However, HOEPA cure violations are very specific on what is needed. The lender needed to provide the borrower with a choice letter on either to accept a refund and make the loan non-high cost or to keep loan as high cost and make loan compliant. The borrower LOE reads that they were just informed they were getting a refund vs. being provided a choice. The choice letter is required and mandatory per the cure provisions. Once received, this can be escalated for review.<br>Reviewer Comment (2025-04-30): Please review the original condition comments. Most of the title fees were paid to an escrow division of the lender. Therefore, they fees included in the HOEPA/HC analysis. | 06/05/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834364 | xxxxxx | 33362007 | xxxxxx | 04/29/2025 | Compliance | Compliance | Miscellaneous Compliance | RESPA | Missing Affiliated Business Arrangement Disclosure and fee(s) were paid to affiliate. | Date Issued: xxxxxx | Most of the title fees were paid to an escrow division of the lender. |  | Reviewer Comment (2025-04-28): Client elects to waive |  |  | 04/28/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834378 | xxxxxx | 33312288 | xxxxxx | 04/24/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxxxx Settlement Agent parties to the transaction is Missing in the Fraud Report and OFAC searches. |  | Reviewer Comment (2025-05-21): Received updated Fraud report. Fraud and OFAC search run on the settlement agent. Exception cleared. | 05/21/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834378 | xxxxxx | 33326475 | xxxxxx | 04/24/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide evidence that the primary residence is free and clear. |  | Reviewer Comment (2025-05-21): Received property history report that the primary residence is free and clear. Exception cleared.<br>Reviewer Comment (2025-05-20): An HOI with no mortgages is not evidence of free and clear as this is accidently omitted at times. Provide evidence property is free and clear. | 05/21/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834378 | xxxxxx | 33326537 | xxxxxx | 04/24/2025 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | The Final CD reflects $14,000 in gifts provided. Provide the gift letter. |  | Reviewer Comment (2025-05-21): Received Gift letter. Exception cleared. | 05/21/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834381 | xxxxxx | 33497355 | xxxxxx | 05/27/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-05-28): Received E-sign Consent Agreement. Exception cleared. | 05/28/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834381 | xxxxxx | 33497942 | xxxxxx | 05/27/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | The 2 years 1040's are signed but not dated by the borrower. |  | Reviewer Comment (2025-06-16): Received the docusign as to when the borrower signed and dated the tax returns<br>Reviewer Comment (2025-05-28): The same documents were provided that were in file at time of review. Please review original condition. The 2 years 1040's are signed but not dated by the borrower. | 06/16/2025 |  |  | 1 B A C | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 834381 | xxxxxx | 33497943 | xxxxxx | 05/27/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule C | Ability to Repay (Dodd-Frank 2014): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. (xxxxxx/Schedule C) | The 2 years 1040's are signed but not dated by the borrower. |  | Reviewer Comment (2025-06-16): Received the docusign as to when the borrower signed and dated the tax returns<br>Reviewer Comment (2025-05-28): The same documents were provided that were in file at time of review. Please review original condition. The 2 years 1040's are signed but not dated by the borrower. | 06/16/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834381 | xxxxxx | 33497944 | xxxxxx | 05/27/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | The 2 years 1040's are signed but not dated by the borrower. |  | Reviewer Comment (2025-06-16): Received the docusign as to when the borrower signed and dated the tax returns<br>Reviewer Comment (2025-05-28): The same documents were provided that were in file at time of review. Please review original condition. The 2 years 1040's are signed but not dated by the borrower. | 06/16/2025 |  |  | 1 A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834403 | xxxxxx | 33354108 | xxxxxx | 05/01/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Unit xxxxxx missing in address |  | Reviewer Comment (2025-05-06): Updated flood cert provided<br>Reviewer Comment (2025-05-06): The attached flood cert is still incorrect. Only reflects Unit xxxxxx. Note reflects Unit xxxxxx. | 05/06/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834403 | xxxxxx | 33354152 | xxxxxx | 05/01/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx, Valuation Type: Desk Review / Valuation Report date: xxxxxx | Unit xxxxxx missing in address from both the appraisal and the desk review. |  | Reviewer Comment (2025-05-14): Updated appraisal and CDA provided | 05/14/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834416 | xxxxxx | 33512739 | xxxxxx | 05/28/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included in Fraud/OFAC search. The Settlement Agent, xxxxxx, is missing. |  | Reviewer Comment (2025-06-06): Received Fraud and OFAC search run on Settlement Agent, xxxxxx. Exception cleared. | 06/06/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834416 | xxxxxx | 33512905 | xxxxxx | 05/28/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $730.00 exceeds tolerance of $585.00 plus 10% or $643.50. Insufficient or no cure was provided to the borrower. xxxxxx | Cure nor valid COC provided |  | Reviewer Comment (2025-06-04): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception." | 06/04/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 834416 | xxxxxx | 33512906 | xxxxxx | 05/28/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $4,866.38 exceeds tolerance of $3,776.00. Insufficient or no cure was provided to the borrower. (7200) | Cure nor valid COC provided |  | Reviewer Comment (2025-06-04): SitusAMC received valid COC document. | 06/04/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 834416 | xxxxxx | 33512907 | xxxxxx | 05/28/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $4,098.00 exceeds tolerance of $4,000.00. Insufficient or no cure was provided to the borrower. (7325) | Cure nor valid COC provided |  | Reviewer Comment (2025-06-04): SitusAMC received valid COC document. | 06/04/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 834416 | xxxxxx | 33512908 | xxxxxx | 05/28/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $77.00 exceeds tolerance of $65.00. Insufficient or no cure was provided to the borrower. (7506) | Cure nor valid COC provided |  | Reviewer Comment (2025-06-04): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception." | 06/04/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 834416 | xxxxxx | 33512909 | xxxxxx | 05/28/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $182.00 exceeds tolerance of $118.00. Insufficient or no cure was provided to the borrower. (7520) | Cure nor valid COC provided |  | Reviewer Comment (2025-06-04): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception." | 06/04/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 834416 | xxxxxx | 33512959 | xxxxxx | 05/28/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | Title Policy not in file. |  | Reviewer Comment (2025-06-06): Title search provided | 06/06/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834416 | xxxxxx | 33526869 | xxxxxx | 05/28/2025 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 1, 4, 6, or 11) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 1 st, 4 th, 6 th, or 11 th circuit) | Title not provided |  | Reviewer Comment (2025-06-06): Title search provided | 06/06/2025 |  |  | 1 A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834416 | xxxxxx | 33570644 | xxxxxx | 06/04/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $730.00 exceeds tolerance of $585.00 plus 10% or $643.50. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx | Sufficient cure provided at closing. |  | Reviewer Comment (2025-06-04): Sufficient Cure Provided At Closing |  | 06/04/2025 |  | 1 A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 834416 | xxxxxx | 33570645 | xxxxxx | 06/04/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $77.00 exceeds tolerance of $65.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Sufficient cure provided at closing. |  | Reviewer Comment (2025-06-04): Sufficient Cure Provided At Closing |  | 06/04/2025 |  | 1 A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 834416 | xxxxxx | 33570646 | xxxxxx | 06/04/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $182.00 exceeds tolerance of $118.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Sufficient cure provided at closing. |  | Reviewer Comment (2025-06-04): Sufficient Cure Provided At Closing |  | 06/04/2025 |  | 1 A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 834416 | xxxxxx | 33590371 | xxxxxx | 06/06/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per the title search provided post review the 4th quarter taxes due 4/1 were not paid through closing and now delinquent. Provide proof taxes were paid or clear title. |  | Reviewer Comment (2025-06-06): Tax cert provided reflecting NPD xxxxxx and lad paid xxxxxx <br>Reviewer Comment (2025-06-06): It does not matter if this is a CES loan and if the first lien is escrowed if taxes are due and delinquent, they must be paid. | 06/06/2025 |  |  | 1 A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834423 | xxxxxx | 33333973 | xxxxxx | 04/28/2025 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date xxxxxx Disbursement date: xxxxxx; Note date: xxxxxx; Transaction date: xxxxxx | Dry State: The Hazard Insurance Policy Effective Date is after the later of the disbursement, note or transaction date. There is a PC-CD in file with an updated disbursement date, however the final stamped settlement statement was not provided to support. |  | Reviewer Comment (2025-04-30): Final signed stamped settlement statement to support disbursement date of xxxxxx | 04/30/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834428 | xxxxxx | 33425083 | xxxxxx | 05/12/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Replacement cost verbiage was not provided on RCE for xxxxxx nor RCE provided. |  | Reviewer Comment (2025-05-14): Received email for HOI policy to cover the coverage amount. Exception cleared. | 05/14/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834433 | xxxxxx | 33670688 | xxxxxx | 06/20/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  | Reviewer Comment (2025-06-27): Articles provided<br>Reviewer Comment (2025-06-27): Received Operating Agreement which was already in file. Provide filed Articles of Organization/Formation. Exception remains. | 06/27/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834433 | xxxxxx | 33670724 | xxxxxx | 06/20/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood Cert reflects xxxxxx vs. xxxxxx |  | Reviewer Comment (2025-06-25): Updated flood cert provided | 06/25/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834433 | xxxxxx | 33707202 | xxxxxx | 06/20/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Document in file is not for the Borrowing Entity. |  | Reviewer Comment (2025-06-30): Received Certificate of Good Standing. Exception cleared.<br>Reviewer Comment (2025-06-27): The pull date was not provided on the document. Must be within 120 days of closing. | 06/30/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834447 | xxxxxx | 33519481 | xxxxxx | 05/30/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $131.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7507) | Additional appraisal fee of $131.00 exceeds tolerance. A valid COC was not provided for the increase in fee. |  | Reviewer Comment (2025-06-09): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check. |  | 06/09/2025 |  | 2 C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 834447 | xxxxxx | 33538146 | xxxxxx | 05/30/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 54.97413% exceeds Guideline total debt ratio of 50.00000%. | Per guidelines, the senior lien payment is qualified off the credit report payment. |  | Reviewer Comment (2025-06-04): Credit memo via email provided by client indicating the intent of this section for the senior lien payment qualified off the credit report payment is to break down the various components of what makes up PITIA. This section was not written as such to imply that taxes/insurance are to be counted twice when taxes/insurance are escrowed. This section of the guide along with the matrix will have to be updated to eliminate this issue. Removed difference in escrow payment from senior lien and taxes and insurance from current CES docs included in ratios.<br>Reviewer Comment (2025-06-02): The notes provided do not clear the condition. The matrix states the senior lien payment is qualified off the credit report payment. Further, the DTI also includes all docs for PITIA for the second lien as well per the guidelines. It is understood what is being said, but the guidelines are specifically written this way for some reason. Therefore, current DTI is valid. Investor can elect to waive with verified compensation factors. | 06/04/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834447 | xxxxxx | 33538156 | xxxxxx | 05/30/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Per guidelines, the senior lien payment is qualified off the credit report payment. |  | Reviewer Comment (2025-06-04): Credit memo via email provided by client indicating the intent of this section for the senior lien payment qualified off the credit report payment is to break down the various components of what makes up PITIA. This section was not written as such to imply that taxes/insurance are to be counted twice when taxes/insurance are escrowed. This section of the guide along with the matrix will have to be updated to eliminate this issue. Removed difference in escrow payment from senior lien and taxes and insurance from current CES docs included in ratios.<br>Reviewer Comment (2025-06-02): The notes provided do not clear the condition. The matrix states the senior lien payment is qualified off the credit report payment. Further, the DTI also includes all docs for PITIA for the second lien as well per the guidelines. It is understood what is being said, but the guidelines are specifically written this way for some reason. Therefore, current DTI is valid. Investor can elect to waive with verified compensation factors. | 06/04/2025 |  |  | 1 B A C | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 834447 | xxxxxx | 33538157 | xxxxxx | 05/30/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Per guidelines, the senior lien payment is qualified off the credit report payment. |  | Reviewer Comment (2025-06-04): Credit memo via email provided by client indicating the intent of this section for the senior lien payment qualified off the credit report payment is to break down the various components of what makes up PITIA. This section was not written as such to imply that taxes/insurance are to be counted twice when taxes/insurance are escrowed. This section of the guide along with the matrix will have to be updated to eliminate this issue. Removed difference in escrow payment from senior lien and taxes and insurance from current CES docs included in ratios.<br>Reviewer Comment (2025-06-02): The notes provided do not clear the condition. The matrix states the senior lien payment is qualified off the credit report payment. Further, the DTI also includes all docs for PITIA for the second lien as well per the guidelines. It is understood what is being said, but the guidelines are specifically written this way for some reason. Therefore, current DTI is valid. Investor can elect to waive with verified compensation factors. | 06/04/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834447 | xxxxxx | 33538158 | xxxxxx | 05/30/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 54.97413% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Per guidelines, the senior lien payment is qualified off the credit report payment. |  | Reviewer Comment (2025-06-04): Credit memo via email provided by client indicating the intent of this section for the senior lien payment qualified off the credit report payment is to break down the various components of what makes up PITIA. This section was not written as such to imply that taxes/insurance are to be counted twice when taxes/insurance are escrowed. This section of the guide along with the matrix will have to be updated to eliminate this issue. Removed difference in escrow payment from senior lien and taxes and insurance from current CES docs included in ratios.<br>Reviewer Comment (2025-06-02): The notes provided do not clear the condition. The matrix states the senior lien payment is qualified off the credit report payment. Further, the DTI also includes all docs for PITIA for the second lien as well per the guidelines. It is understood what is being said, but the guidelines are specifically written this way for some reason. Therefore, current DTI is valid. Investor can elect to waive with verified compensation factors. | 06/04/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834692 | xxxxxx | 33293103 | xxxxxx | 04/22/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Investor exception in file for VOM for subject property without < 6 months borrower payment verification. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-04-18): Client elects to waive with verified compensation factors |  |  | 04/18/2025 | 2 B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834692 | xxxxxx | 33293106 | xxxxxx | 04/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-04-23): Received Approval document. Exception cleared. | 04/23/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834692 | xxxxxx | 33293123 | xxxxxx | 04/22/2025 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | Investor Exception in file for Cash out is not eligible for first time investor. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-04-18): Client elects to waive with verified compensation factors |  |  | 04/18/2025 | 2 B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834692 | xxxxxx | 33293133 | xxxxxx | 04/22/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | Investor Exception in file for using appraised value with < 12 months seasoning, but > 6 months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-04-18): Client elects to waive with verified compensation factors |  |  | 04/18/2025 | 2 B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834692 | xxxxxx | 33293149 | xxxxxx | 04/22/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | Desk Review shows zip code as xxxxxx and Note has xxxxxx. |  | Reviewer Comment (2025-05-06): Updated CDA provided<br>Reviewer Comment (2025-04-28): The comments made on xxxxxx appear to be for the Seller. Desk Review shows zip code as xxxxxx and Note has xxxxxx. | 05/06/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834692 | xxxxxx | 33306720 | xxxxxx | 04/22/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Policy: Zip code xxxxxx vs. Note xxxxxx. |  | Reviewer Comment (2025-04-28): Updated later dated title received. | 04/28/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834779 | xxxxxx | 33318682 | xxxxxx | 04/28/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $358,683.03 is over disclosed by $405.00 compared to the calculated Amount Financed of $358,278.03 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed an amount financed of $358,683.03; calculated amount financed is $358,278.03. Variance is $405.00. |  | Reviewer Comment (2025-05-22): SitusAMC received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Reviewer Comment (2025-05-14): SitusAMC received cure refund check. Missing the copy of the Corrected CD to finalize cure.<br>Reviewer Comment (2025-05-12): SitusAMC received LOE to borrower, copy of check request & copy of FedEx tracking. Missing copy of Corrected CD and refund check to borrower for $450 to finalize cure documentation requirements. |  | 05/22/2025 |  | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 834779 | xxxxxx | 33318683 | xxxxxx | 04/28/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $625,111.89 is under disclosed by $405.00 compared to the calculated Finance Charge of $625,516.89 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed a finance charge of $625,111.89; calculated finance charge is $625,516.89. Variance is $405.00. |  | Reviewer Comment (2025-05-22): SitusAMC received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Reviewer Comment (2025-05-14): SitusAMC received cure refund check. Missing the copy of the Corrected CD to finalize cure.<br>Reviewer Comment (2025-05-12): SitusAMC received LOE to borrower, copy of check request & copy of FedEx tracking. Missing copy of Corrected CD and refund check to borrower for $450 to finalize cure documentation requirements. |  | 05/22/2025 |  | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 834779 | xxxxxx | 33344062 | xxxxxx | 04/28/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 85.00000% exceeds Guideline loan to value percentage of 80.00000%. | First Time Homebuyers with < 12 months history or rent free borrower's are capped at 80% LTV. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-05-05): Client elects to waive with verified compensation factors |  |  | 05/05/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 834779 | xxxxxx | 33344124 | xxxxxx | 04/28/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Section 5: Declarations was not completed. |  | Reviewer Comment (2025-05-21): Lender attestation provided<br>Reviewer Comment (2025-05-14): Updated and signed 1003 provided with delivery on borrower signature with clicksign. Provide lender attestation on error. | 05/21/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 834857 | xxxxxx | 33518365 | xxxxxx | 05/30/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Missing ISAOA ATIMA | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-06-13): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-12): It does not matter the policy period did not change. The corrections did not take effect until xxxxxx which is post-close and not acceptable.<br>Reviewer Comment (2025-06-11): The updated endorsement became effective xxxxxx which is post-close and not acceptable. |  |  | 06/13/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 834857 | xxxxxx | 33536886 | xxxxxx | 05/30/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the Notes for the mortgage liens on REO property on xxxxxx. Housing history was not provided and mortgage lien per fraud report reflects in the borrower's name. There is a mortgage statement in file with another individuals name but mortgage statements do not always reflect all borrowers. (Please note: Mortgage lien debt was added to ratios, however mortgage history was not provided). |  | Reviewer Comment (2025-06-26): Received Mortgage Statement for the month of June. Exception cleared.<br>Reviewer Comment (2025-06-16): Received 11 months mortgage statement reflecting payment from July 2024 through May 2025. Please provide mortgage statement for the payment made for June 2024. Exception remains.<br>Reviewer Comment (2025-06-13): The loan was reviewed to 1.2025 guidelines which has these requirements. | 06/26/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 834873 | xxxxxx | 33529630 | xxxxxx | 06/03/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-06-09): Received Final Title Policy. Exception cleared. | 06/09/2025 |  |  | 1 A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834873 | xxxxxx | 33529633 | xxxxxx | 06/03/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-06-09): Received Final Title Policy. Exception cleared. | 06/09/2025 |  |  | 1 B A | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834873 | xxxxxx | 33529652 | xxxxxx | 06/03/2025 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Transfer letter not in file | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-02): Client elects to waive |  |  | 06/02/2025 | 2 B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834873 | xxxxxx | 33556898 | xxxxxx | 06/03/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $35.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7505) | The COC does not give sufficient information as to why the fee was added. |  | Reviewer Comment (2025-06-16): SitusAMC received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Reviewer Comment (2025-06-09): SitusAMC received Changed Circumstance dated xxxxxx , stating per underwriter's review of the appraisal, $100 desk review fee added. In order to determine if the changed circumstance is valid we would require Underwriters Log in order to verify the fee. |  | 06/16/2025 |  | 2 C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 834873 | xxxxxx | 33556899 | xxxxxx | 06/03/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee paid to AMC. Fee Amount of $57.70 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7543) | The COC does not give sufficient information as to why the fee was added. |  | Reviewer Comment (2025-06-16): SitusAMC received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Reviewer Comment (2025-06-09): SitusAMC received Changed Circumstance dated xxxxxx , stating per underwriter's review of the appraisal, $100 desk review fee added. In order to determine if the changed circumstance is valid we would require Underwriters Log in order to verify the fee. |  | 06/16/2025 |  | 2 C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 834873 | xxxxxx | 33556968 | xxxxxx | 06/03/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx form and does not contain the following clauses: | Mortgagors requirement to maintain adequate insurance at the mortgagor's own expense, Homestead Exemption Waiver |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-02): Client elects to waive |  |  | 06/02/2025 | 2 B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834873 | xxxxxx | 33556970 | xxxxxx | 06/03/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx P&L Statement, Paystubs | xxxxxx: 1) YTD paystub required when a borrower W2's themself per guidelines 2). YTD P&L required when last ending tax return is > 120 days old per guidelines. |  | Reviewer Comment (2025-06-20): Per client email, accepting borrower LOE that he does not issue himself paystub for tax reporting purposes.<br>Reviewer Comment (2025-06-18): Received YTD P&L. Borrower provided an LOE regarding no paystubs, however investor will need to advise if they are accepting this in lieu of as the guideline requirements are not met when a borrower W2's themself.<br>Reviewer Comment (2025-06-11): Borrower provided an LOE regarding no paystubs, however investor will need to advise if they are accepting this in lieu of as the guideline requirements are not met when a borrower W2's themself. Further, YTD P&L was also not provided. | 06/20/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834873 | xxxxxx | 33557032 | xxxxxx | 06/03/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to missing income documents |  | Reviewer Comment (2025-06-20): Per client email, accepting borrower LOE that he does not issue himself paystub for tax reporting purposes.<br>Reviewer Comment (2025-06-18): Received YTD P&L. Pending receipt of YTD paystub. | 06/20/2025 |  |  | 1 B A C | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | C | B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 834873 | xxxxxx | 33557033 | xxxxxx | 06/03/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to missing income documents |  | Reviewer Comment (2025-06-20): Per client email, accepting borrower LOE that he does not issue himself paystub for tax reporting purposes.<br>Reviewer Comment (2025-06-18): Received YTD P&L. Pending receipt of YTD paystub. | 06/20/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834875 | xxxxxx | 33404934 | xxxxxx | 05/08/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xxxxxx , Most Recent Tax Return End Date xxxxxx , Tax Return Due Date xxxxxx . (xxxxxx, xxxxxx xxxxxx) | The business or personal tax returns provided are not the most recent. |  | Reviewer Comment (2025-05-05): Client elects to waive |  |  | 05/05/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834875 | xxxxxx | 33404935 | xxxxxx | 05/08/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xxxxxx , Most Recent Tax Return End Date xxxxxx , Tax Return Due Date xxxxxx . (xxxxxx) | The business or personal tax returns provided are not the most recent. |  | Reviewer Comment (2025-05-05): Client elects to waive |  |  | 05/05/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834875 | xxxxxx | 33404942 | xxxxxx | 05/08/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial xxxxxx) | The file only contained the final closing disclosure. Please provide the initial and any subsequent CD's (if applicable) issued to the borrower for review. |  | Reviewer Comment (2025-05-12): SitusAMC received disclosure tracking for the xxxxxx CD. | 05/12/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834875 | xxxxxx | 33404943 | xxxxxx | 05/08/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $700.00 exceeds tolerance of $475.00 plus 10% or $522.50. Insufficient or no cure was provided to the borrower. xxxxxx | 10% fee violation due to an increase in the Recording fee. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $225.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  | Reviewer Comment (2025-06-05): SitusAMC received Letter of explanation, Corrected Closing disclosure and Final Settlement statement.<br>Reviewer Comment (2025-06-04): SItusAMC received PCCD with corrected recording fee but the copy of PCCD provided is not legitimate: Page#1 clash to close section missing, page #2 section H, I and J is missing and similarly the bottom details of page 3, 4 and 5 are also missing. Please provide complete copy of PCCD to re-evaluate the exception.<br>Reviewer Comment (2025-05-28): A Corrected CD and LOE to borrower updating on the final recording fees to match the Final Settlement Statement which as stated recording fees were less than the Final CD disclosed recording fees.<br>Reviewer Comment (2025-05-26): SitusAMC received LOE explaining the SB2 fee but from LOE is not clear why SB2 added later on CD while it is xxxxxx state and is applicable to loan from initial itself as per "applicability". Please provide additional information about the changes received regarding change in recording, deed or any instrument that was unknown at the time of initial and lender received it later or cure will be required.<br>Reviewer Comment (2025-05-21): SitusAMC received lender rebuttal that additional recording fee was for lien release for recording. It is assumed that this $225 additional fee is related to the SB2 Recording Fee. We are unable to determine what this SB2 is related to, why lender was not aware at initial application for fee baseline disclosure and when lender was made aware of this change to support requirements for a valid changed circumstance. Please provide additional information/documentation to further support noted information needed.<br>Reviewer Comment (2025-05-19): Email to investor: The lender's LOE states new information was received and fees increased which were disclosed to the borrower. What new information did they received? The recording fees being disclosed at a lower amount and the amount being higher per an invoice or the title company stating the fees are really higher than the lender disclosed is not a valid reason to pass on these charges to the borrower. The lender will need to provide a valid reason as to why these fees increased in order to determine if the COC is valid. If not, a refund will be due.<br>Reviewer Comment (2025-05-16): SitusAMC: The receipt of an invoice is not a valid changed circumstance in order for a fee to be re-baselined. We also required additional information on what impacts and why the recording fee was increased. Provide supporting documentation timeline for the fee was increased and to provide information supporting lender's knowledge of when they became aware of the changes or Cure is due to borrower.<br>Reviewer Comment (2025-05-14): SitusAMC received COC dated xxxxxx for increase in recording fee however, the reason provided on COC is not sufficient. Please provide more information on release of prior lien and when lender has become aware of the increased fee. | 06/05/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 834900 | xxxxxx | 33422374 | xxxxxx | 05/12/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Missing unit # on HO6 |  | Reviewer Comment (2025-05-15): Received updated HO6 policy. Exception cleared. | 05/15/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834900 | xxxxxx | 33422394 | xxxxxx | 05/12/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on seller, xxxxxx. |  | Reviewer Comment (2025-05-19): Received Fraud and OFAC searches run on seller, xxxxxx. Exception cleared.<br>Reviewer Comment (2025-05-15): Received OFAC search run on seller, xxxxxx. Provide HUD /GSA/LDP or updated fraud report. Exception remains. | 05/19/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834930 | xxxxxx | 33470189 | xxxxxx | 05/21/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Unit is occupied. |  | Reviewer Comment (2025-05-22): Lease provided | 05/22/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834930 | xxxxxx | 33489753 | xxxxxx | 05/21/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report and OFAC not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-05-22): Search provided | 05/22/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834930 | xxxxxx | 33489761 | xxxxxx | 05/21/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Appraisal reflects Yes to special FEMA flood hazard area, however zone is xxxxxx which is not in a flood zone. |  | Reviewer Comment (2025-05-22): Updated appraisal provided | 05/22/2025 |  |  | 1 D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834980 | xxxxxx | 33351273 | xxxxxx | 04/30/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Missing Ownership percentage for xxxxxx Articles reflect 2 owners, 1 of which is not on the loan. Per guidelines, the borrower will need to document their 50% or higher ownership of the company that they will be using the assets from. |  | Reviewer Comment (2025-05-27): Received operating agreement to verify the ownership of the company. Exception cleared.<br>Reviewer Comment (2025-05-20): The OA provided is not signed or dated.<br>Reviewer Comment (2025-05-16): The lender attesation is not acceptable. Without knowing the ownership % it is not known if the combined members made up 50%. For example, if xxxxxx only has 20% ownership and xxxxxx only has 20% with the non-borrower xxxxxx owning 60%, the borrowers on the loan would have < 50% ownership. Assumptions cannot be made. Investor can elect to waive with verified compensation factors.<br>Reviewer Comment (2025-05-13): Received Articles of Organization does not reflect the ownership percentage of the company. Therefore provide operating agreement or CPA letter to verify Ownership percentage for xxxxxx. Exception not cleared.<br>Reviewer Comment (2025-05-09): The document requested is for the document to verify ownership percentage of the business, xxxxxx. Per guidelines, if business funds are being utilized for assets, then borrower must be 50% or more ownership of the company. Since, Articles does not list the percentage of the business. Therefore provide Operating agreement or CPA letter to verify the ownership percentage of the business. Exception remains. | 05/27/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834980 | xxxxxx | 33363458 | xxxxxx | 04/30/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The REO for xxxxxx does not list the primary residence in the REO section. |  | Reviewer Comment (2025-05-07): Updated 1003 provided | 05/07/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834980 | xxxxxx | 33363505 | xxxxxx | 04/30/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | ISAOA is missing |  | Reviewer Comment (2025-05-09): Agent LOE provided<br>Reviewer Comment (2025-05-08): Provide the email confirmation that this was updated by the agent. The same policy was provided with ISAOA added in under the lender name in different font type.<br>Reviewer Comment (2025-05-07): Lender requested back as mortgagee holder/loss payee section was not updated with ISAOA. | 05/09/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835118 | xxxxxx | 33278353 | xxxxxx | 04/18/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxxxx, Settlement Agent parties to the transaction is Missing in the Fraud Report and OFAC searches. |  | Reviewer Comment (2025-04-22): Received Fraud and OFAC search run on settlement agent. Exception cleared. | 04/22/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835118 | xxxxxx | 33285404 | xxxxxx | 04/18/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The housing history for the primary residence does not appear on credit. Mortgage statement provided. Provide 12 month VOM or loan pay history from creditor along with borrower's 6 month pay history via cancelled checks/bank statements. |  | Reviewer Comment (2025-04-22): Received Credit Report. Exception cleared. | 04/22/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835118 | xxxxxx | 33285438 | xxxxxx | 04/18/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The housing history for the subject property does not appear on credit. Mortgage statement and Payoff provided. Provide 12 month VOM or loan pay history from creditor along with borrower's 6 month pay history via cancelled checks/bank statements. |  | Reviewer Comment (2025-04-22): Received credit report. Exception cleared. | 04/22/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835119 | xxxxxx | 33423432 | xxxxxx | 05/12/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | ISAOA is missing |  | Reviewer Comment (2025-05-14): Updated HOI provided | 05/14/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835119 | xxxxxx | 33423440 | xxxxxx | 05/12/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-05-14): Received fraud and OFAC search for all parties to transaction. Exception cleared. | 05/14/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835150 | xxxxxx | 33309037 | xxxxxx | 04/24/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 1.66 is less than Guideline PITIA months reserves of 2.00. | Per the 1003, the lender is utilizing account xxxxxx with an ending balance of $10,296.46 as of the last statement ending xxxxxx Per account xxxxxx, two transfers from xxxxxx for $7,000 each on xxxxxx and xxxxxx were received. Therefore, account xxxxxx would be $0. |  | Reviewer Comment (2025-04-30): Updated account statement for xxxxxx provided with ending balance used up until closing of xxxxxx Reflects transfers to xxxxxx. Borrower now has sufficient reserves. | 04/30/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835150 | xxxxxx | 33313058 | xxxxxx | 04/24/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception in file to allow C09 EAD | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-04-22): Client elects to waive with verified compensation factors |  |  | 04/22/2025 | 2 B | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835218 | xxxxxx | 33370158 | xxxxxx | 05/05/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on authorized signer for seller, xxxxxx. |  | Reviewer Comment (2025-05-14): Received Fraud and OFAC searches run on authorized signer for seller, xxxxxx. Exception cleared.<br>Reviewer Comment (2025-05-12): Received OFAC search run on authorized signer for seller, xxxxxx. Provide HUD/GSA/LDP or updated fraud report. Exception remains.<br>Reviewer Comment (2025-05-07): Received updated Fraud Report. However Fraud and OFAC searches not run on authorized signer for seller, xxxxxx. Exception remains. | 05/20/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835232 | xxxxxx | 33244591 | xxxxxx | 04/16/2025 | Credit | Guideline | Guideline Issue | Guideline | The Closing Disclosure or HUD-1 does not reflect that an escrow account for taxes and insurance was established as required by guidelines. |  | Per guidelines, waiver of escrows requires 12 months of reserves. It should be noted, there is a xxxxxx statement in file without any ownership name, therefore excluded. To Note: xxxxxx with xxxxxx and xxxxxx can only be utilized for reserves at 60% without proof of liquidation. Including these accounts into reserves, borrower would still be short reserves. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2025-04-24): Client elects to waive with verified compensation factors |  |  | 04/24/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835250 | xxxxxx | 33398573 | xxxxxx | 05/06/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-05-02): Client elects to waive |  |  | 05/02/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835250 | xxxxxx | 33398576 | xxxxxx | 05/06/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $132.50 exceeds tolerance of $125.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  | Reviewer Comment (2025-05-01): Sufficient Cure Provided At Closing |  | 05/01/2025 |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 835250 | xxxxxx | 33398616 | xxxxxx | 05/06/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The VOR reflects the property address as the subject property vs. the property being rented per the final 1003. Provide the updated VOR. |  | Reviewer Comment (2025-05-22): Received corrected VOR. Exception cleared. | 05/22/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835250 | xxxxxx | 33400695 | xxxxxx | 05/06/2025 | Credit | Asset | Asset Documentation | Asset | Asset Issue: Gift funds are missing evidence of receipt |  | Please provide receipt of the $42,050.00 gift funds |  | Reviewer Comment (2025-05-22): Received wire confirmation of $42,100. Exception cleared. | 05/22/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835250 | xxxxxx | 33402212 | xxxxxx | 05/06/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Provide missing pages for the business bank statements used for income, xxxxxx account xxxxxx for the following months (the last 2 pages of each statement are missing):<br>1. xxxxxx - xxxxxx provided only 8 pages out of 10 pages.<br> 2. xxxxxx - xxxxxx provided only 6 pages out of 8 pages.<br> 3. xxxxxx - xxxxxx provided only 6 pages out of 10 pages.<br> 4. xxxxxx - xxxxxx provided only 6 pages out of 8 pages. |  | Reviewer Comment (2025-06-02): Received all pages for the business bank statements used for income. Exception cleared. | 06/02/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835250 | xxxxxx | 33402435 | xxxxxx | 05/06/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Any VOR completed by a private party, or any non-institutional landlord must be supported by alternative documentation showing the most recent 6-month history (cancelled checks, rental statements including payment history, etc.). A look up of the company on the VOR does not support property management. |  | Reviewer Comment (2025-05-22): Received lookup which shows xxxxxx are in real estate rental/ leasing. Exception cleared. | 05/22/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835309 | xxxxxx | 33344984 | xxxxxx | 04/28/2025 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Provide the blanket HOI. Only HO6 coverage in file for $90,000. The other policy in file for the HOA are Cert of Liability only with no building coverage. |  | Reviewer Comment (2025-05-08): Received preclose master policy for building coverage.<br>Reviewer Comment (2025-05-06): The master policy was provided but is dated post close which is not acceptable.<br>Reviewer Comment (2025-04-29): The only document provided was a 2 page additional remarks document with property addresses and property deductibles. This is not master policy dwelling building coverage. Provide all pages of the master HOA insurance reflecting building coverage. | 05/08/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835309 | xxxxxx | 33345019 | xxxxxx | 04/28/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | xxxxxx does not match the Note on HO6 policy. |  | Reviewer Comment (2025-05-12): Updated HO6 provided | 05/12/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835395 | xxxxxx | 33438832 | xxxxxx | 05/15/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $303,045.11 is over disclosed by $145.00 compared to the calculated Amount Financed of $302,900.11 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed an amount financed of $303,045.11; calculated amount financed is $302,900.11. Variance is $145.00. Variance is the Apprasial Management Fee. |  | Reviewer Comment (2025-05-20): SitusAMC received LOA | 05/20/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 835395 | xxxxxx | 33438833 | xxxxxx | 05/15/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $556,442.48 is under disclosed by $145.00 compared to the calculated Finance Charge of $556,587.48 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed a finance charge of $556,442.48; calculated finance charge is $556,587.48. Variance is $145.00. Variance is the Appraisal Management Fee. |  | Reviewer Comment (2025-05-20): SitusAMC received LOA | 05/20/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 835395 | xxxxxx | 33438834 | xxxxxx | 05/15/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial xxxxxx) | Initial CD in file is dated xxxxxx and signed xxxxxx |  | Reviewer Comment (2025-05-20): SitusAMC received CD dated xxxxxx  | 05/20/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835395 | xxxxxx | 33441193 | xxxxxx | 05/15/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Borrower's own funds percent discrepancy. | Calculated borrower's own funds of is less than Guideline required borrower's own funds of 5.00%. | Borrower is using gift funds for purchase and living rent free. Guides require Borrower must contribute 5% of the purchase price from their own funds. |  | Reviewer Comment (2025-05-29): Per CD and docs in file, Borrower put down $3,000 of their own funds for EMD which meets the 5% requirement.<br>Reviewer Comment (2025-05-28): Investor can elect to waive with verified compensation factors as based on the amount required to close less gift funds, borrower has < 5% down of own funds.<br>Reviewer Comment (2025-05-21): As previously mentioned, Per page 47-48 of the lender's guidelines, he Borrower must contribute 5% of the purchase price from their own funds when using gifts and LTV > 70%. Per page 8, if living rent free, borrower must contribute 5% of own funds. Page 8 does not mention this applies to FTHB only.<br>Reviewer Comment (2025-05-19): Per page 47-48 of the lender's guidelines, he Borrower must contribute 5% of the purchase price from their own funds when using gifts and LTV > 70%. | 05/29/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835395 | xxxxxx | 33450959 | xxxxxx | 05/15/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Large deposits were not sourced and/or letter of explanation was not provided. |  | Per investor overlays, Borrower must provide documentation verifying source of funds, letter of explanation is not sufficient. LOE provided for $70,000 large deposit on xxxxxx and $18,700 and $19,000 large deposit on xxxxxx. |  | Reviewer Comment (2025-05-21): Invoices provided to support additional large deposit of $18,000 including LOE used for assets.<br>Reviewer Comment (2025-05-19): Received source of $18,700. $19,000 is transfer for borrower owned account xxxxxx. Part of $70,000 ($52000) was gift however the other $18,000 of this is unaccounted for. Could not locate any invoices of repayment for car expenses and as noted, per the investor overlays, LOE's are not acceptable for explanation. Provide the documents to support the borrower loaned this money to parents and the remaining paid back as a loan. | 05/21/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835395 | xxxxxx | 33450970 | xxxxxx | 05/15/2025 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | Income: If the personal bank statements reflect names other than our borrower(s), the following is required: 100% access letter from individual(s) presenting on personal bank statements. LOE from spouse references a different DBA other than reflected on the business license and 1003. |  | Reviewer Comment (2025-06-03): Received LOE by spouse with corrected business name however the signature is different as compare with previous LOE . Exception cleared.<br>Reviewer Comment (2025-05-27): None of the previous comments nor the original condition state Flat Out is being used for income. The access letter notes that is the name of the business in which she is granting access to when everything else in file states xxxxxx. As previously mentioned, the borrower's business on the 1003 and license provided is xxxxxx. The LOE provided by the spouse references the account but a different business name. If the personal statements provided for income for xxxxxx are for a different business, then third party documentation will need to be provided verifying ownership of this business.<br>Reviewer Comment (2025-05-21): As previously mentioned, the borrower's business on the 1003 and license provided is xxxxxx. The LOE provided by the spouse references the account but a different business name. If the personal statements provided for income for xxxxxx are for a different business, then third party documentation will need to be provided verifying ownership of this business.<br>Reviewer Comment (2025-05-19): The LOE is not acceptable. Personal bank statements were used to qualify in which the borrower is not the sole owner. It is held jointly with the non-borrower. Per guidelines, if the personal bank statements reflect names other than our borrower(s), the following is required: 100% access letter from individual(s) presenting on personal bank statements. | 06/03/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835395 | xxxxxx | 33450999 | xxxxxx | 05/15/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide the updated 1003. Borrower has no vested ownership in current primary. Lives rent free with non-borrowing spouse and history report reflects no vested ownership. |  | Reviewer Comment (2025-05-19): Updated 1003 provided | 05/19/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835397 | xxxxxx | 33327644 | xxxxxx | 04/28/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood Cert e reflects address as xxxxxx vs xxxxxx, & xxxxxx as per Note. |  | Reviewer Comment (2025-05-02): Updated flood cert provided | 05/02/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 835397 | xxxxxx | 33327653 | xxxxxx | 04/28/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Hazard Insurance reflects address as xxxxxx vs xxxxxx, & xxxxxx as per Note. |  | Reviewer Comment (2025-04-30): Updated HOI provided | 04/30/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 835397 | xxxxxx | 33343194 | xxxxxx | 04/28/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | 1) The 2022/2023 personal and business returns are signed but not dated by the borrower 2) 2024 P&L is not signed and dated by the borrower. All are guideline requirements. 3) 2025 signed and dated YTD P&L required. Transcripts cannot be accepted in lieu of. |  | Reviewer Comment (2025-04-30): Signed and dated personal and business returns provided, signed 2024 and signed 2025 P&L provided. | 04/30/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 835397 | xxxxxx | 33343325 | xxxxxx | 04/28/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | Provide evidence of the 2nd lien P&I. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-05-05): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-02): Assigned to investor. The investor will need to advise if they are accepting the initial LE as proof of payment for the second P&I on property. Appears borrower is in the process of taking out a new second lien. It is not clear if things will change along the way which would increase the payment. If investor does not accept, condition will need to be waived with verified compensation factors or wait until second lien has funded as it is currently in the Doc Out stage (loan cleared to close on xxxxxx per lender screen shot)<br>Reviewer Comment (2025-05-01): Final 1003 application reflects 2nd lien with monthly payment $4,295.77 and Unpaid Balance of $xxxxxx with account number xxxxxx. Exception remains. |  |  | 05/05/2025 | 2 C B | N/A | N/A C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 835397 | xxxxxx | 33343394 | xxxxxx | 04/28/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Insurance Verification<br> Insurance Verification<br> Insurance Verification<br> Insurance Verification |  |  | Reviewer Comment (2025-05-01): Received LOX for no HOI policy. Exception cleared. | 05/01/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 835397 | xxxxxx | 33343397 | xxxxxx | 04/28/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Other<br> Other<br> Other | Provide evidence of the 6 months payment ledger supporting business pays debt. |  | Reviewer Comment (2025-05-01): Received 6 months payment ledger supporting business pays debt. Exception cleared.<br>Reviewer Comment (2025-04-30): The document provided does not clear this condition. Please review the original condition. Provide evidence of the 6 months payment ledger supporting business pays debt. This ledger was provided in the concurrent files. | 05/01/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 835414 | xxxxxx | 33409159 | xxxxxx | 05/09/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-05-12): Approval provided | 05/12/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835457 | xxxxxx | 33433349 | xxxxxx | 05/14/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Reviewer Comment (2025-06-18): RTC's provided. See new exception.<br>Reviewer Comment (2025-06-09): Rescission applies to primary residence refinances whether the borrower is currently occupying or not. As noted in comments on xxxxxx primary appraisal used for qualifying reflects property was completed in xxxxxx and is as-is and there is no evidence of construction to perm.<br>Reviewer Comment (2025-05-20): The same comments were provided that were previously rejected. See comments from 5/20: Condition cannot be waived. Primary appraisal used for qualifying reflects property was completed in xxxxxx and is As-Is. Further, the guidelines do not state construction to perm loans are allowed.<br>Reviewer Comment (2025-05-20): Condition cannot be waived. Primary appraisal used for qualifying reflects property was completed in xxxxxx and is As-Is. Further, the guidelines do not state construction to perm loans are allowed. | 06/18/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 835457 | xxxxxx | 33433395 | xxxxxx | 05/14/2025 | Credit | Income | Income Error | Income | The total of Statement Period Months entered is less than the Qualifying Method entered of Most Recent 24 months. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Bank Statements / Start date: xxxxxx Statement Period Months provided: 23, | The Statements for xxxxxx xxxxxx 24 and xxxxxx xxxxxx is missing for a full 12 months. It should be further noted, the October statement ends on xxxxxx and the ending balance does not match the November statement stating balance. |  | Reviewer Comment (2025-06-05): Missing statements provided | 06/05/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835457 | xxxxxx | 33433397 | xxxxxx | 05/14/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included in the Fraud Report and OFAC searches. The Settlement Agent, xxxxxx, is missing. |  | Reviewer Comment (2025-05-21): Received updated fraud report. Fraud and OFAC run on the settlement agent. Exception cleared. | 05/21/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835457 | xxxxxx | 33435588 | xxxxxx | 05/14/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Bank Statement Guidelines Number of Bank Statements Requirement not met | Ability to Repay (Dodd-Frank 2014): The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. (xxxxxx/Bank Statements) | The Statements for xxxxxx xxxxxx 24 and xxxxxx xxxxxx is missing for a full 12 months. It should be further noted, the October statement ends on xxxxxx and the ending balance does not match the November statement stating balance. |  | Reviewer Comment (2025-06-05): Missing statements provided | 06/05/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835457 | xxxxxx | 33435594 | xxxxxx | 05/14/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | The Statements for xxxxxx xxxxxx 24 and xxxxxx xxxxxx is missing for a full 12 months. It should be further noted, the October statement ends on xxxxxx and the ending balance does not match the November statement stating balance. |  | Reviewer Comment (2025-06-05): Missing statements provided | 06/05/2025 |  |  | 1 B A C | C | A B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 835457 | xxxxxx | 33435595 | xxxxxx | 05/14/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | The Statements for xxxxxx xxxxxx 24 and xxxxxx xxxxxx is missing for a full 12 months. It should be further noted, the October statement ends on xxxxxx and the ending balance does not match the November statement stating balance. |  | Reviewer Comment (2025-06-05): Missing statements provided | 06/05/2025 |  |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835457 | xxxxxx | 33435597 | xxxxxx | 05/14/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $250.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103) | Appraisal Re-inspection was added without a valid COC. Insufficient credit was provided. |  | Reviewer Comment (2025-06-04): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. | 06/04/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 835457 | xxxxxx | 33435655 | xxxxxx | 05/14/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The Statements for xxxxxx xxxxxx 24 and xxxxxx xxxxxx is missing for a full 12 months. It should be further noted, the October statement ends on xxxxxx and the ending balance does not match the November statement stating balance. |  | Reviewer Comment (2025-06-05): Missing statements provided | 06/05/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835457 | xxxxxx | 33442766 | xxxxxx | 05/14/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | VOM for subject property, item #1 creditor information is not completed. |  | Reviewer Comment (2025-06-05): Received VOM for subject property. Exception cleared.<br>Reviewer Comment (2025-06-04): Received VOM however property address is missing. Exception remains. Provide VOM for subject property. Exception remains. | 06/05/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835457 | xxxxxx | 33442804 | xxxxxx | 05/14/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | There was a renewal and ext rider that is not listed on page 2 of the DOT. Provide the corrected and executed DOT to include rider, LOE to borrower, evidence of delivery to borrower and lender's letter of intent to re-record. |  | Reviewer Comment (2025-06-04): Evidence of delivery provided<br>Reviewer Comment (2025-06-03): Received corrected DOT, LOE to borrower and lender's letter of intent to re-record. Pending receipt of evidence of delivery to the borrower. | 06/04/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835457 | xxxxxx | 33442807 | xxxxxx | 05/14/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Forbearance, loan modifications, or deferrals completed or reinstated within 12-months of the Note date of the subject transaction are not eligible. Per title and rider, last modified xxxxxx . | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-17): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-09): The LOE is not acceptable. Being a construction loan has no bearing on the modification requirements nor was evidence provided this modification was for extensions. Further, the guidelines do not differentiate between construction mortgage loans and regular mortgage loans. |  |  | 06/17/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835457 | xxxxxx | 33442820 | xxxxxx | 05/14/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Extension not provided |  | Notes with a balloon feature with an expired maturity date exceeding 30 days require an extension to avoid being counted as delinquent (e.g., delinquent 31 days is 1x30 late, delinquent 61 days is 1x60 late, etc). Maturity of loan was xxxxxx and per LOE from the existing lender, they have not renewed the extension and are on standby. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-17): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-09): The LOE is not acceptable. Being a construction loan has no bearing on the extension requirements which the guidelines require. Further, the guidelines do not differentiate between construction mortgage loans and regular mortgage loans. In comments made on a subsequent condition, the lender noted extensions were granted. |  |  | 06/17/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835457 | xxxxxx | 33442870 | xxxxxx | 05/14/2025 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | The transaction closed as a refinance of a primary residence, and the valuation reflects that the subject property is vacant. Unable to verify occupancy. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal dated xxxxxx reflects Vacant. |  | Reviewer Comment (2025-06-18): Per client, they are not requiring the appraisal in question to be updated based on the later dated appraisal noting owner occupied.<br>Reviewer Comment (2025-06-17): Received corrected appraisal for Accelerated Appraisal for year built. xxxxxx Appraisal needs to be corrected to OO. A primary residence should not reflect vacant. The subject to appraisal was only for outdoor items. Investor can elect to waive with verified compensation factors.<br>Reviewer Comment (2025-06-09): The LOE is not acceptable. Please review comments from 5/20: The primary appraisal used for qualifying reflects as-is with a completion date of xxxxxx. The secondary appraisal needs to be updated.<br>Reviewer Comment (2025-05-20): The same comments were provided that were previously rejected. See comments from 5/20: Condition cannot be waived. The primary appraisal used for qualifying reflects as-is with a completion date of xxxxxx. The secondary appraisal needs to be updated.<br>Reviewer Comment (2025-05-20): Condition cannot be waived. The primary appraisal used for qualifying reflects as-is with a completion date of xxxxxx. The secondary appraisal needs to be updated. | 06/18/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835457 | xxxxxx | 33570993 | xxxxxx | 06/04/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $250.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75103) |  |  | Reviewer Comment (2025-06-04): Sufficient Cure Provided At Closing |  | 06/04/2025 |  | 1 A |  | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Final CD evidences Cure B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 835457 | xxxxxx | 33686267 | xxxxxx | 06/18/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xxxxxx , prior to three (3) business days from transaction date of xxxxxx . | Received new RTC's due to rescission not being provided at time of review. New rescission period provided expiring at midnight on xxxxxx The RTC's were e-signed. Need docusign to support borrowers signed and dated the forms as well as LOE to borrower for RTC's. Also, condition cannot be cured until xxxxxx after the rescission period expires. |  | Reviewer Comment (2025-06-24): Letter of Explanation, Proof of Delivery, and Re-open Rescission provided<br>Reviewer Comment (2025-06-23): Received LOE and docusign for RTC's. Condition cannot be cured until after midnight today. Re-queue loan on xxxxxx for curing. |  | 06/24/2025 |  | 2 B |  | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 835457 | xxxxxx | 33686268 | xxxxxx | 06/18/2025 | Compliance | Compliance | Federal Compliance | TILA | TILA Notice of Right to Cancel Expiration Date greater than Deal Start Date. | Rescission expiration date provided by lender on Notice of Right to Cancel has not expired as of time of review. |  |  | Reviewer Comment (2025-06-18): Client elects to waive |  |  | 06/18/2025 | 2 B |  | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835461 | xxxxxx | 33471697 | xxxxxx | 05/20/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-05-21): E-Consent provided | 05/21/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 835461 | xxxxxx | 33471749 | xxxxxx | 05/20/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | Matrix: Gap Credit Report or Undisclosed Debt Monitoring (UDM) is required for all loans, to be dated no more than 30-days prior to loan closing |  | Reviewer Comment (2025-05-22): Received Credit refresh report dated xxxxxx . Exception cleared. | 05/22/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 835461 | xxxxxx | 33475648 | xxxxxx | 05/20/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC not run on property seller and authorized signors for property seller. |  | Reviewer Comment (2025-06-04): Received updated fraud and OFAC search run on the seller. Exception cleared.<br>Reviewer Comment (2025-05-29): Received updated Fraud Report. However, Fraud and OFAC search not run on the authorized signors for property seller, xxxxxx. Exception remains. | 06/04/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 835468 | xxxxxx | 33468514 | xxxxxx | 05/20/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-05-23): Received Final Title Policy. Exception cleared. | 05/23/2025 |  |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835468 | xxxxxx | 33468529 | xxxxxx | 05/20/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-05-23): Received Final Title Policy. Exception cleared. | 05/23/2025 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835468 | xxxxxx | 33468718 | xxxxxx | 05/20/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 5.91 is less than Guideline PITIA months reserves of 6.00. | Per guidelines, program requires 6 months reserves. POCB invoice not provided for appraisal. |  | Reviewer Comment (2025-05-26): POCB paid invoice provided. | 05/26/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835468 | xxxxxx | 33468741 | xxxxxx | 05/20/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Per guidelines, program requires 6 months reserves. POCB invoice not provided for appraisal. |  | Reviewer Comment (2025-05-26): POCB paid invoice provided. | 05/26/2025 |  |  | 1 B A C | C | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 835468 | xxxxxx | 33468742 | xxxxxx | 05/20/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Per guidelines, program requires 6 months reserves. POCB invoice not provided for appraisal. |  | Reviewer Comment (2025-05-26): POCB paid invoice provided. | 05/26/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835468 | xxxxxx | 33469137 | xxxxxx | 05/20/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-05-19): Client elects to waive |  |  | 05/19/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835468 | xxxxxx | 33480412 | xxxxxx | 05/20/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | Investor exception in file for Borrower is not currently on title and to allow use of current appraised value. Court ordered to transfer property back to borrower from current owner. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-19): Client elects to waive with verified compensation factors |  |  | 05/19/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835468 | xxxxxx | 33480444 | xxxxxx | 05/20/2025 | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | The borrower requires a minimum of 12 months reserves for an escrow waiver. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-16): Client elects to waive with verified compensation factors |  |  | 06/16/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835468 | xxxxxx | 33480615 | xxxxxx | 05/20/2025 | Credit | Guideline | Guideline Issue | Guideline | xxxxxx property type is not permitted per Guidelines. |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-30): Client elects to waive with verified compensation factors |  |  | 05/30/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835468 | xxxxxx | 33480697 | xxxxxx | 05/20/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $950.00 exceeds tolerance of $850.00. Insufficient or no cure was provided to the borrower. (7506) | Additional information is required to determine if COC is valid. COC states appraisal fee increased due to unique property, however per appraisal, standard SFD. |  | Reviewer Comment (2025-06-03): SitusAMC received detailed COC dated xxxxxx for increase in fee.<br>Reviewer Comment (2025-05-28): SitusAMC received COC dated xxxxxx for increase in fee due to rush request. Borrower typically would not request an increase to their costs without a valid reason. Please provide why rush was requested or cure would be required. | 06/03/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 835468 | xxxxxx | 33480698 | xxxxxx | 05/20/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. | Per the deeds in file, the subject property was not deeded to borrower until 5/8 & 5/9 which is post-close. Due to not completed until post-close, all vested parties should have been provided the right of rescission (3 individuals). |  | Reviewer Comment (2025-06-16): SitusAMC received evidence that rescission was provided to the required party. | 06/16/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 835468 | xxxxxx | 33480738 | xxxxxx | 05/20/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Provide the updated 1008 reflecting C/O refinance. Via a court order, the vested parties were required to deed the property back to the borrower. Per guidelines, this is considered C/O. |  | Reviewer Comment (2025-06-02): Updated 1008 provided<br>Reviewer Comment (2025-05-26): The condition cannot be cleared and the LOE is not acceptable. This is not a buyout of a co-owner pursuant to an agreement. This is a court ordered judgment for the non-borrower to deed the property back to the borrower due to a lawsuit . The condition is not stating an exception was not provided for the borrower not being vested on title. The condition is stating 1008 needs to be updated as xxxxxx Provide the updated 1008. | 06/02/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835470 | xxxxxx | 33449335 | xxxxxx | 05/16/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $517.00 exceeds tolerance of $500.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  | Reviewer Comment (2025-05-13): Sufficient Cure Provided At Closing |  | 05/13/2025 |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 835470 | xxxxxx | 33452531 | xxxxxx | 05/16/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Reflects a different lien holder. LOE is not acceptable. HOI must be updated to current lender + ISAOA. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-03): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-26): Updated policy provided reflecting change effective as of xxxxxx which is post close and not acceptable. |  |  | 06/03/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835484 | xxxxxx | 33208152 | xxxxxx | 04/11/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report missing for xxxxxx |  | Reviewer Comment (2025-04-15): Received Fraud Report for xxxxxx. Exception cleared. | 04/15/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835484 | xxxxxx | 33208372 | xxxxxx | 04/11/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-04-15): Received Fraud and OFAC search run on authorized signor for seller, xxxxxx. Exception cleared. | 04/15/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835516 | xxxxxx | 33419618 | xxxxxx | 05/12/2025 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | The appraisal reflects the property was listed for sale on page 1, however does not provide any sale data on page 2 and states it has not been listed within the past 12 months. CDA also reflects not listed for sale. Provide the updated appraisal. |  | Reviewer Comment (2025-05-19): Updated appraisal provided | 05/19/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835516 | xxxxxx | 33421906 | xxxxxx | 05/12/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report and OFAC searches not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-05-15): Received Watch List. Fraud and OFAC run on the settlement agent. Exception cleared. | 05/15/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835516 | xxxxxx | 33424421 | xxxxxx | 05/12/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Appraisal reflects Tenant Occupied and STR analysis states subject property has not been used as an STR. |  | Reviewer Comment (2025-05-19): Updated appraisal provided to vacant. Meets LTV restrictions | 05/19/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835530 | xxxxxx | 33335713 | xxxxxx | 04/10/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing. |  | Reviewer Comment (2025-04-16): cleared. | 04/16/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835530 | xxxxxx | 33335714 | xxxxxx | 04/10/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx | Fraud report is missing. |  | Reviewer Comment (2025-04-16): cleared. | 04/16/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835530 | xxxxxx | 33335715 | xxxxxx | 04/10/2025 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | Credit Report: Original // Borrower: xxxxxx | Provide OFAC search for borrower. |  | Reviewer Comment (2025-04-16): cleared. | 04/16/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835530 | xxxxxx | 33335717 | xxxxxx | 04/10/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception was approved for borrower living rent-free with her son. Compensating factors include FICO 40+ points over the minimum required score, and over 4 months additional reserves than required with a loan amount under $1 million. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-04-10): Waived with compensating factors per lender exception approval at origination. |  |  | 04/10/2025 | 2 B | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835531 | xxxxxx | 33335702 | xxxxxx | 04/10/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing |  | Reviewer Comment (2025-04-16): cleared. | 04/16/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A B |  | N/A | No | Property Focused |
| xxxxxx | 835531 | xxxxxx | 33335703 | xxxxxx | 04/10/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx | Fraud Report is missing |  | Reviewer Comment (2025-04-16): cleared. | 04/16/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A B |  | N/A | No | Property Focused |
| xxxxxx | 835531 | xxxxxx | 33335705 | xxxxxx | 04/10/2025 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-04-16): clear | 04/16/2025 |  |  | 1 A | A | A B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A B |  | N/A | No | Property Focused |
| xxxxxx | 835531 | xxxxxx | 33335706 | xxxxxx | 04/10/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for subject having more than 10acres. The subject has xxxxxx acres. Compensating factors are FICO 40+ points over the minimum required score for the LTV requested. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2025-04-10): Waived with compensating factors per lender exception approval at origination. |  |  | 04/10/2025 | 2 B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A B |  | N/A | No | Property Focused |
| xxxxxx | 835537 | xxxxxx | 33335721 | xxxxxx | 04/10/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | The file is missing the final HUD-1. The signed copy in file is an estimate. |  | Reviewer Comment (2025-04-16): cleared<br>Reviewer Comment (2025-04-16): Need stamped true and certified or signed by borrower. | 04/16/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835544 | xxxxxx | 33469442 | xxxxxx | 04/11/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  | Reviewer Comment (2025-04-30): clear | 04/30/2025 |  |  | 1 D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835544 | xxxxxx | 33469443 | xxxxxx | 04/11/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.88 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Based on the rate lock asset depletion was used to qualify the loan; however, the file does not contain the required asset depletion worksheet. |  | Reviewer Comment (2025-04-17): clear | 04/17/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835544 | xxxxxx | 33469445 | xxxxxx | 04/11/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC search was not provided for the borrowing entity. |  | Reviewer Comment (2025-04-17): clear | 04/17/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835544 | xxxxxx | 33469446 | xxxxxx | 04/11/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file contains the Alerts Summary only. The full fraud report is required. |  | Reviewer Comment (2025-04-17): clear | 04/17/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835544 | xxxxxx | 33469448 | xxxxxx | 04/17/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | 3 months of statements/seasoning are required for each account used for asset depletion. (5297 & O0M9) |  | Reviewer Comment (2025-05-09): clear | 05/09/2025 |  |  | 1 A |  | A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835574 | xxxxxx | 33424041 | xxxxxx | 05/12/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | 1008 does not reflect the UW name |  | Reviewer Comment (2025-05-14): Received Approval. Exception cleared. | 05/14/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835574 | xxxxxx | 33424097 | xxxxxx | 05/12/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-05-14): Received fraud and OFAC search for all parties to transaction. Exception cleared. | 05/14/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835575 | xxxxxx | 33403668 | xxxxxx | 05/08/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included. The Settlement Agent, xxxxxx, is missing. |  | Reviewer Comment (2025-05-12): Received Fraud and OFAC search run on Settlement Agent, xxxxxx. Exception cleared. | 05/12/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835577 | xxxxxx | 33428034 | xxxxxx | 05/12/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-05-14): Received fraud and OFAC search for all parties to transaction. Exception cleared. | 05/14/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835580 | xxxxxx | 33421961 | xxxxxx | 05/12/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Master Insurance policy is missing the Borrowers name and unit number. It reflects a different owners name (xxxxxx) and no unit number |  | Reviewer Comment (2025-05-14): Master policy provided with correct borrower's name and unit. | 05/14/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835580 | xxxxxx | 33422250 | xxxxxx | 05/12/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included. The Settlement Agent, xxxxxx, is missing. |  | Reviewer Comment (2025-05-14): Received updated Fraud report. Fraud and OFAC search for settlement agent. Exception cleared. | 05/14/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835580 | xxxxxx | 33430099 | xxxxxx | 05/12/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Final CD reflects a disbursement date prior to the consummation date. If disbursement date on Final CD is incorrect, provide the final stamped settlement statement to support. |  | Reviewer Comment (2025-06-02): Final stamped settlement statement provided.<br>Reviewer Comment (2025-05-28): The document provided is a prelim xxxxxx aft as to how the final CD should look to title. The lender must provided the final stamped settlement statement from the title company for review.<br>Reviewer Comment (2025-05-22): PC-CD does not clear this condition as it is a lender generated document. Please provide the final stamped settlement statement to verify disbursement date. | 06/02/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835586 | xxxxxx | 33403669 | xxxxxx | 05/08/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included. The Settlement Agent, xxxxxx, is missing. |  | Reviewer Comment (2025-05-12): Received Fraud Report and OFAC for Settlement Agent, xxxxxx. Exception cleared. | 05/12/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835594 | xxxxxx | 33420322 | xxxxxx | 05/09/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure xxxxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Final xxxxxx | Seller Closing Disclosure is missing in the file and no Seller paid fees are reflecting on Final Closing Disclosure. |  | Reviewer Comment (2025-05-14): SitusAMC received Seller CD. | 05/14/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 835594 | xxxxxx | 33420347 | xxxxxx | 05/09/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Mortgagee + ISAOA is missing from the actual policy. Only invoice reflects information for payor. |  | Reviewer Comment (2025-05-14): Updated policy provided | 05/14/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835594 | xxxxxx | 33420363 | xxxxxx | 05/09/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included in the Fraud Report and OFAC searches. The Settlement Agent, xxxxxx, and the Sellers xxxxxx are missing. |  | Reviewer Comment (2025-05-29): Received updated fraud report. Fraud and OFAC search run on settlement agent. Exception cleared.<br>Reviewer Comment (2025-05-14): Received updated fraud report, fraud and OFAC search run on the sellers. Provide fraud and OFAC search for Settlement Agent, xxxxxx. Exception remains. | 05/29/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835594 | xxxxxx | 33422525 | xxxxxx | 05/09/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | CPA and business narrative state the business name is xxxxxx and in business since 2019. Articles of Incorporation, 1003 and business bank statements reflect the business name is xxxxxx 2024 with a start date and filing of xxxxxx which is < 2 years required. There is no evidence of company name change in file. | Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-02): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-14): Being in the same line of work and the business used to qualify being open and active for 2 years is not the same thing. Further, the CPA only verifies xxxxxx and xxxxxx. Nothing is mentioned regarding xxxxxx 2024. Investor exception will be required as based on CPA letter, the business being used to qualify has been open for < 2 years. |  |  | 06/02/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835632 | xxxxxx | 33497489 | xxxxxx | 05/27/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Provide source of funds in amount of $90,174.23 deposited on xxxxxx bank account xxxxxx dated xxxxxx . Deposit is needed for reserves. |  | Reviewer Comment (2025-05-30): Received source of fund of large deposit. Exception cleared. | 05/30/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | D B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835632 | xxxxxx | 33515955 | xxxxxx | 05/27/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The appraisal reflects 3 for sale, 3 rented and 0 owner occupied. Per the HOA questionnaire, 1 for sale, 3 rented and 34 owner occupied. Provide the updated appraisal. |  | Reviewer Comment (2025-05-29): Per client email, they are not requiring the appraisal to be updated and relying solely on the HOA questionnaire for correct information. | 05/29/2025 |  |  | 1 D A | D | A D | xxxxxx | xxxxxx | Second Home | Purchase | D B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835632 | xxxxxx | 33515956 | xxxxxx | 05/27/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xxxxxx , Most Recent Tax Return End Date xxxxxx , Tax Return Due Date xxxxxx . (xxxxxx and xxxxxx) |  |  | Reviewer Comment (2025-05-26): Client elects to waive |  |  | 05/26/2025 | 2 B | B | B | xxxxxx | xxxxxx | Second Home | Purchase | D B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835632 | xxxxxx | 33515957 | xxxxxx | 05/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $300.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75106) | Additional information is required to determine if COC is valid. Currently only reflects CDA report is required which is not a valid COC. |  | Reviewer Comment (2025-06-06): SitusAMC received valid COC and LOE | 06/06/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 835643 | xxxxxx | 33359186 | xxxxxx | 05/01/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood city xxxxxx; Note city xxxxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-07): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-02): The collateral description address run on the flood cert must match the Note. |  |  | 05/07/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835660 | xxxxxx | 33371226 | xxxxxx | 05/02/2025 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. | The provided Notice of Special Flood Hazards disclosure is not signed and dated. The Notice of Special Flood Hazards must be signed and dated by all required parties. |  | Reviewer Comment (2025-04-30): Client elects to waive |  |  | 04/30/2025 | 2 B | B | B | xxxxxx | xxxxxx | Second Home | Purchase | C B | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835660 | xxxxxx | 33371240 | xxxxxx | 05/02/2025 | Credit | Insurance | Insurance Analysis | Insurance | The Flood Insurance Policy effective date is after the Note Date. | Flood Insurance Policy Effective Date xxxxxx , Note Date xxxxxx | The Flood Insurance policy effective date is after the note date. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-02): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-02): 1004D has not bearing on this condition. Policy must be in effect at time of closing.<br>Reviewer Comment (2025-05-07): In certain states, the flood insurance must be in effect at time of closing. Disbursement date has no bearing on this. Further, the noted sections of 1.8.2.7 and 1.8.2.9 are not in the guidelines provided to us by the investor for review. |  |  | 06/02/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Second Home | Purchase | C B | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835660 | xxxxxx | 33371245 | xxxxxx | 05/02/2025 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date xxxxxx, Disbursement date: xxxxxx | Wet State: The Hazard Insurance Policy Effective Date is after the later of the note or transaction date. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-02): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-02): 1004D has not bearing on this condition. Policy must be in effect at time of closing in Wet States.<br>Reviewer Comment (2025-05-07): In Wet States, the HOI must be in effect at time of closing. Disbursement date has no bearing on this. Further, the noted sections of 1.8.2.7 and 1.8.2.9 are not in the guidelines provided to us by the investor for review. |  |  | 06/02/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Second Home | Purchase | C B | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835660 | xxxxxx | 33371594 | xxxxxx | 05/02/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-05-07): Received updated Fraud Report. Fraud and OFAC run on the authorized signor for seller. Exception cleared. | 05/07/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | C B | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835681 | xxxxxx | 33343717 | xxxxxx | 04/30/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Per guidelines, foreign nationals require a copy of the borrower's unexpired passport. There is an FRA residence permit in file, however this is not considered a passport. |  | Reviewer Comment (2025-05-02): Received borrower's unexpired passport. Exception cleared. | 05/02/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835723 | xxxxxx | 33444124 | xxxxxx | 05/16/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.27236% or Final Disclosure APR of 9.36000% is equal to or greater than the threshold of APOR 6.62% + 1.5%, or 8.12000%. Non-Compliant Higher Priced Mortgage Loan. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  | Reviewer Comment (2025-05-20): Delivery provided | 05/20/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835723 | xxxxxx | 33444125 | xxxxxx | 05/16/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2025-05-20): Delivery provided | 05/20/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835723 | xxxxxx | 33444143 | xxxxxx | 05/16/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Disaster Inspection Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7521) | The Disaster Inspection Fees on the Loan Estimate dated xxxxxx was $0; however, the final Closing Disclosure reflects $150.00 without a valid change of circumstance. |  | Reviewer Comment (2025-06-05): SitusAMC Received Valid COC dated xxxxxx .<br>Reviewer Comment (2025-05-20): SitusAMC Received COC dated xxxxxx states DAIR fee added due to Appraisal is subject to repairs; however, Appraisal is As is. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. | 06/05/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 835723 | xxxxxx | 33447880 | xxxxxx | 05/16/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | Please provide the fully executed xxxxxx D for the departing residence on xxxxxx. |  | Reviewer Comment (2025-05-28): Final closing statement provided | 05/28/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835723 | xxxxxx | 33447966 | xxxxxx | 05/16/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Page 1 of the 1003 reflects No primary expense and Declaration Question 5A, 2nd question if Borrower has had an ownership interest in another property in the last 3 years reflects No. Page 1 should reflect Own and dec page 5A should be Yes and (1) and (2) need to be completed. According to the Fraud report in file, Borrower is on title for the departing residence on xxxxxx but not obligated to the mortgage lien as well as Seller CD also listed borrower as the Seller. |  | Reviewer Comment (2025-06-03): Received updated 1003. Exception cleared.<br>Reviewer Comment (2025-05-28): Page 1 of the 1003 was not answered correctly still. Should reflect Own as borrower has vested interest but is not obligated to the mortgage lien. | 06/03/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835723 | xxxxxx | 33454934 | xxxxxx | 05/16/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  | Per appraisal, property is in a PUD, however the DOT does not reflect a PUD rider attached. Provide the corrected and executed DOT to include PUD rider, executed PUD rider, LOE to borrower, evidence of delivery to the borrower and lender's letter of intent to re-record. | Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-06-13): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-12): Received executed PUD rider and LOE to borrower. Provide the corrected and executed DOT to include PUD rider, evidence of delivery to the borrower and lender's letter of intent to re-record. Exception remains. |  |  | 06/13/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835778 | xxxxxx | 33425843 | xxxxxx | 05/12/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.95031% or Final Disclosure APR of 8.95200% is equal to or greater than the threshold of APOR 6.62% + 1.5%, or 8.12000%. Non-Compliant Higher Priced Mortgage Loan. | Delivery of appraisal per docs in file is xxxxxx with no evidence of borrower receipt. Mailbox rule applied. Presumed received date is xxxxxx which is not within 3 business days prior to closing. |  | Reviewer Comment (2025-05-30): Delivery LOE email provided by borrower on receipt date.<br>Reviewer Comment (2025-05-14): Loan is deemed to be an HPML. Doc ID 257 was already reviewed at time of submission. Please review original condition. Delivery of appraisal per docs in file is xxxxxx with no evidence of borrower receipt. Mailbox rule applied. Presumed received date is xxxxxx which is not within 3 business days prior to closing. The disclosure only reflects the appraisal was emailed to the borrower and does not reflect the borrower's receipt or download of the appraisal, which is why the mailbox rule applies. | 05/30/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A C | C | A D | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835778 | xxxxxx | 33425844 | xxxxxx | 05/12/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Delivery of appraisal per docs in file is xxxxxx with no evidence of borrower receipt. Mailbox rule applied. Presumed received date is xxxxxx which is not within 3 business days prior to closing. |  | Reviewer Comment (2025-05-30): Delivery LOE email provided by borrower on receipt date.<br>Reviewer Comment (2025-05-14): Loan is deemed to be an HPML. Doc ID 257 was already reviewed at time of submission. Please review original condition. Delivery of appraisal per docs in file is xxxxxx with no evidence of borrower receipt. Mailbox rule applied. Presumed received date is xxxxxx which is not within 3 business days prior to closing. The disclosure only reflects the appraisal was emailed to the borrower and does not reflect the borrower's receipt or download of the appraisal, which is why the mailbox rule applies. | 05/30/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A C | C | A D | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835778 | xxxxxx | 33425847 | xxxxxx | 05/12/2025 | Compliance | Compliance | State Compliance | State Defect | xxxxxx Federal HPML Compliance Test | Maine (Regulation Z-3 2013): Higher-Priced Mortgage Loan - Not Compliant | Delivery of appraisal per docs in file is xxxxxx with no evidence of borrower receipt. Mailbox rule applied. Presumed received date is xxxxxx which is not within 3 business days prior to closing. |  | Reviewer Comment (2025-05-30): Delivery LOE email provided by borrower on receipt date.<br>Reviewer Comment (2025-05-14): Loan is deemed to be an HPML. Doc ID 257 was already reviewed at time of submission. Please review original condition. Delivery of appraisal per docs in file is xxxxxx with no evidence of borrower receipt. Mailbox rule applied. Presumed received date is xxxxxx which is not within 3 business days prior to closing. The disclosure only reflects the appraisal was emailed to the borrower and does not reflect the borrower's receipt or download of the appraisal, which is why the mailbox rule applies. | 05/30/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A C | C | A D | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835778 | xxxxxx | 33425848 | xxxxxx | 05/12/2025 | Compliance | Compliance | State Compliance | State HPML | xxxxxx HPML Threshold 2013 Test Non-Compliant | Maine Higher-Priced Mortgage Loan: APR on subject loan of 8.95031% or Final Disclosure APR of 8.95200% is equal to or greater than the threshold of APOR 6.62% + 1.5%, or 8.12000%, or subject loan is a high-cost mortgage loan, contains negative amortization, or has an interest-only feature. Non-Compliant Higher Priced Loan. | Delivery of appraisal per docs in file is xxxxxx with no evidence of borrower receipt. Mailbox rule applied. Presumed received date is xxxxxx which is not within 3 business days prior to closing. |  | Reviewer Comment (2025-05-30): Delivery LOE email provided by borrower on receipt date.<br>Reviewer Comment (2025-05-14): Loan is deemed to be an HPML. Doc ID 257 was already reviewed at time of submission. Please review original condition. Delivery of appraisal per docs in file is xxxxxx with no evidence of borrower receipt. Mailbox rule applied. Presumed received date is xxxxxx which is not within 3 business days prior to closing. The disclosure only reflects the appraisal was emailed to the borrower and does not reflect the borrower's receipt or download of the appraisal, which is why the mailbox rule applies. | 05/30/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Within 30 days of closing and prior to receiving any notice, notify borrower, make appropriate restitution and adjustments.<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 60 days of closing, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the higher-priced threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. D | C | A D | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 835778 | xxxxxx | 33425849 | xxxxxx | 05/12/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,188.00 exceeds tolerance of $1,000.00 plus 10% or $1,100.00. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx |  |  | Reviewer Comment (2025-05-07): Sufficient Cure Provided At Closing |  | 05/07/2025 |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | C | A D | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 835778 | xxxxxx | 33425850 | xxxxxx | 05/12/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $725.00 exceeds tolerance of $700.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  | Reviewer Comment (2025-05-07): Sufficient Cure Provided At Closing |  | 05/07/2025 |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | C | A D | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 835778 | xxxxxx | 33425851 | xxxxxx | 05/12/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $92.00 exceeds tolerance of $59.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  | Reviewer Comment (2025-05-07): Sufficient Cure Provided At Closing |  | 05/07/2025 |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | C | A D | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 835778 | xxxxxx | 33425880 | xxxxxx | 05/12/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-05-21): Received UCDP SSR reflecting CU Risk Score of 1. Exception cleared. | 05/21/2025 |  |  | 1 D A | D | A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A C | C | A D | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835778 | xxxxxx | 33425888 | xxxxxx | 05/12/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report and OFAC not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-05-21): Received updating fraud report. Fraud and OFAC search run on the settlement agent. Exception cleared. | 05/21/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A C | C | A D | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835785 | xxxxxx | 33499174 | xxxxxx | 05/28/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Examination Fee. Fee Amount of $325.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7727) | The Title - Examination Fee was not disclosed on Initial Loan Estimate and was later disclosed on the initial Closing Disclosure as $325.00. Insufficient or no cure was provided to the borrower. |  | Reviewer Comment (2025-06-19): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check.<br>Reviewer Comment (2025-06-11): SitusAMC received Post CD, LOX, Copy of refund check and proof of mailing. FedEx tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. |  | 06/19/2025 |  | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 835785 | xxxxxx | 33499231 | xxxxxx | 05/28/2025 | Credit | Guideline | Guideline Issue | Guideline | Program Guidelines require the borrower has been in business for a minimum of 2 years. |  | Per the CPA, the business has been in existence since xxxxxx used to qualify (1.99 years) which is < than the 2 years minimum required. Investor exception in file. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-27): Client elects to waive with verified compensation factors |  |  | 05/27/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835785 | xxxxxx | 33504580 | xxxxxx | 05/28/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-06-17): Received Fraud and OFAC Search run on authorized signor for seller, xxxxxx. Exception cleared. | 06/17/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835786 | xxxxxx | 33369152 | xxxxxx | 05/02/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, settlement agent, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-05-07): Received Fraud and OFAC search run on settlement agent. Exception cleared.<br>Reviewer Comment (2025-05-07): Received updated Fraud Report. Fraud and OFAC not run on the settlement agent, xxxxxx. Exception remains. | 05/07/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835786 | xxxxxx | 33382826 | xxxxxx | 05/02/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | xxxxxx vs xxxxxx |  | Reviewer Comment (2025-05-06): Updated flood cert provided | 05/06/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835799 | xxxxxx | 33515704 | xxxxxx | 05/30/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,810.00 exceeds tolerance of $1,570.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) |  |  | Reviewer Comment (2025-05-23): Sufficient Cure Provided At Closing |  | 05/23/2025 |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 835841 | xxxxxx | 33538482 | xxxxxx | 06/04/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan allows for Partial Payments. (Final xxxxxx) | Partial Payment is blank on the final CD. |  | Reviewer Comment (2025-06-10): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-06-05): SitusAMC received PCCD. Still required to complete cure are LOE and proof of mailing. |  | 06/10/2025 |  | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 835841 | xxxxxx | 33538562 | xxxxxx | 06/04/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxxxx disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. (Final xxxxxx) |  |  | Reviewer Comment (2025-06-04): Client elects to waive |  |  | 06/04/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Good Faith Redisclosure D B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 835841 | xxxxxx | 33541057 | xxxxxx | 06/04/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Provided the deed from the current LLC to the borrower and non-borrower per the DOT. |  | Reviewer Comment (2025-06-10): Received recorded Deed. Exception cleared.<br>Reviewer Comment (2025-06-05): Received xxxxxx Deed from the current LLC to the borrower and non-borrower per the DOT. Provide recorded xxxxxx Deed. Exception remains. | 06/10/2025 |  |  | 1 D A | D | A D | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | D B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835841 | xxxxxx | 33572593 | xxxxxx | 06/04/2025 | Credit | Guideline | Guideline Issue | Guideline | Program Guidelines require the borrower has been in business for a minimum of 2 years. |  | The business used to qualify for income has been open and active for < 2 years are required by guidelines (1.76 years). Investor exception in file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-06-04): Client elects to waive with verified compensation factors |  |  | 06/04/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | D B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835841 | xxxxxx | 33572723 | xxxxxx | 06/04/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. | Non-borrower did not sign RTC |  | Reviewer Comment (2025-06-06): Non borrower RTC provided | 06/06/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 835872 | xxxxxx | 33456146 | xxxxxx | 05/20/2025 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  | Reviewer Comment (2025-05-21): HOI provided | 05/21/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835892 | xxxxxx | 33454942 | xxxxxx | 05/19/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bylaws not provided |  | LOE provided for no formal operating agreement. Guidelines and State of xxxxxx require the Bylaws and all amendments. |  | Reviewer Comment (2025-05-29): Received Bylaws for the Business Entity. Exception cleared. | 05/29/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835892 | xxxxxx | 33467950 | xxxxxx | 05/19/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Borrowing Resolution/Corporate Resolution granting authority of signer to enter loan obligation required per guidelines |  | Reviewer Comment (2025-05-30): Received By-laws reflecting borrower is 100% owner of the business. Exception cleared. | 05/30/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835893 | xxxxxx | 33362616 | xxxxxx | 05/02/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood certificate has street as xxxxxx and Note has xxxxxx. |  | Reviewer Comment (2025-05-06): Updated flood cert provided | 05/06/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835893 | xxxxxx | 33382867 | xxxxxx | 05/02/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide evidence the primary residence is free and clear. Per the fraud report, there is a mortgage lien for $xxxxxx that is not reflected on credit. |  | Reviewer Comment (2025-05-05): Evidence of free and clear provided | 05/05/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835893 | xxxxxx | 33382893 | xxxxxx | 05/02/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-06-05): Client elects to waive with verified compensation factors |  |  | 06/05/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835893 | xxxxxx | 33382900 | xxxxxx | 05/02/2025 | Credit | Guideline | Guideline Issue | Guideline | The Closing Disclosure or HUD-1 does not reflect that an escrow account for taxes and insurance was established as required by guidelines. |  | The final settlement statement provided does not reflect escrows are collected and the borrower does not meet the minimum FICO of 720 for a waiver. |  | Reviewer Comment (2025-05-05): Later dated final signed closing statement provided reflecting escrows. | 05/05/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835959 | xxxxxx | 33458142 | xxxxxx | 05/20/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Per the 1008, taxes on the property are $773.55/month. The tax bill in file reflects $xxxxxx/month. Provide the supplemental tax bill. |  | Reviewer Comment (2025-05-22): Received Tax Certificate. Exception cleared. | 05/22/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835959 | xxxxxx | 33458497 | xxxxxx | 05/20/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception for property has 2 APN's. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-19): Client elects to waive with verified compensation factors |  |  | 05/19/2025 | 2 B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835959 | xxxxxx | 33479970 | xxxxxx | 05/20/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $4,500.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7325) | The COC reflects the interest rate was lowered and Other was checked but is blank. Lowing the interest rate and lock in the loan does not add Loan Origination Charges. Additional information is required to determine if COC is valid. |  | Reviewer Comment (2025-05-21): SitusAMC received COC dated xxxxxx . | 05/21/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 835959 | xxxxxx | 33480038 | xxxxxx | 05/20/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-19): Client elects to waive |  |  | 05/19/2025 | 2 B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835982 | xxxxxx | 33416766 | xxxxxx | 05/12/2025 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The HOI policy does not list the policy premium and an invoice was not provided. |  | Reviewer Comment (2025-05-14): Invoice provided | 05/14/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835982 | xxxxxx | 33416780 | xxxxxx | 05/12/2025 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | Credit Report: Original // Borrower: xxxxxx | Credit Report for xxxxxx is more than 90 days old. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Experienced investor owns and manages 1 or more properties for 12 months | Reviewer Comment (2025-05-15): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-14): Please review the previous comments on 5/14: The only credit report we have in file for xxxxxx is dated xxxxxx . The order date is the date of the report, not the completed date. Further, accounts were not updated beyond December nor FICOs.<br>Reviewer Comment (2025-05-14): The only credit report we have in file for xxxxxx is dated xxxxxx . The order date is the date of the report, not the completed date. |  |  | 05/15/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835987 | xxxxxx | 33523119 | xxxxxx | 05/30/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 663 is less than Guideline representative FICO score of 680. | Per the lender's matrix, minimum 680 score required for C/O transaction on a primary up to 70% LTV. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-06-10): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-03): The matrix provided by the investor is dated xxxxxx for Mtg Portfolio 2 fixed & arm and covers programs from P&L, WVOE and xxxxxx bank statements. Minimum FICO is 680 for an LTV up to 70% on C/O primary. |  |  | 06/10/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836003 | xxxxxx | 33491823 | xxxxxx | 05/27/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. The gap report in file is 32 days old. |  | Reviewer Comment (2025-05-30): Received gap credit report or Undisclosed Debt Monitoring (UDM) report. Exception cleared. | 05/30/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836003 | xxxxxx | 33492064 | xxxxxx | 05/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial xxxxxx) |  |  | Reviewer Comment (2025-06-26): SitusAMC received LOE as email confirmation that borrower has not revoke the previous consent.<br>Reviewer Comment (2025-06-11): SitusAMC received disclosures tracking shows the e-consent date as xxxxxx which is after 3 business days from the application date. Also, if the e-consent was not received from borrower lender should not have send the disclosures electronically. Please provide evidence if the LE sent via other means. This is timing exception cannot be cured. Added: Please see prior information on xxxxxx for context clarification (e-consent requirement in context of initial LE electronically provided requirements) which states: The consumer went through the eConsent process on xxxxxx , the consumer acknowledged the receipt of the LE on xxxxxx . But the loan application date was xxxxxx . In the event the consumer had not provided eConsent by xxxxxx , then the lender should have sent the consumer the Loan Estimate through another means in accordance with the official interpretation reflected in Comment 19(e)(1)(iv)-2. Provide proof borrower was sent Initial LE via other means than electronic delivery, as the e-consent was over 3 business days and acknowledged over 3 business days. The LE would not have been provided electronically if borrower had not e-consented with the 3 business days after application.<br>Reviewer Comment (2025-05-30): The consumer went through the eConsent process on xxxxxx , the consumer acknowledged the receipt of the LE on xxxxxx . But the loan application date was xxxxxx . In the event the consumer had not provided eConsent by xxxxxx , then the lender should have sent the consumer the Loan Estimate through another means in accordance with the official interpretation reflected in Comment 19(e)(1)(iv)-2. Provide proof borrower was sent Initial LE via other means than electronic delivery, as the e-consent was over 3 business days and acknowledged over 3 business days. The LE would not have been provided electronically if borrower had not e-consented with the 3 business days after application. | 06/26/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836003 | xxxxxx | 33492762 | xxxxxx | 05/27/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-05-26): Client elects to waive |  |  | 05/26/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836009 | xxxxxx | 33451004 | xxxxxx | 05/19/2025 | Compliance | Compliance | State Compliance | Misc. State Level | xxxxxx Counseling Agencies Disclosure Not in File | xxxxxx HB1399 - No evidence of required counseling disclosure language per xxxxxx HB 1399. |  |  | Reviewer Comment (2025-05-15): Client elects to waive |  |  | 05/15/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836009 | xxxxxx | 33451005 | xxxxxx | 05/19/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-3,800.44 exceeds tolerance of $-6,148.00. Insufficient or no cure was provided to the borrower. (9300) | COC not provided |  | Reviewer Comment (2025-05-23): SitusAMC received a valid COC. | 05/23/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836009 | xxxxxx | 33451006 | xxxxxx | 05/19/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $175.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103) | COC not provided |  | Reviewer Comment (2025-05-23): SitusAMC received a valid COC. | 05/23/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836009 | xxxxxx | 33451032 | xxxxxx | 05/19/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | Fraud report reflects loan for xxxxxx taken out on xxxxxx . Provide proof loan was paid. |  | Reviewer Comment (2025-05-29): Received Satisfaction of Mortgage that the loan paid off. Exception cleared. | 05/29/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836009 | xxxxxx | 33469496 | xxxxxx | 05/19/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The borrower is using two other accounts for income qualifying for Feb 2025 and March 2025 (xxxxxx) to make up the 12 months bank statements. There is no evidence the business account xxxxxx was closed. Guidelines do not state this is allowed. |  | Reviewer Comment (2025-06-05): March 2025 statement provided for xxxxxx. Feb 2025 for account xxxxxx was provided at time of review and removed the personal bank statements included in income.<br>Reviewer Comment (2025-05-29): Received satisfaction of mortgage. However, requested document was not received provide the document which was requested as per original condition. Exception remains. | 06/05/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836009 | xxxxxx | 33469554 | xxxxxx | 05/19/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM - Bank Statement Guidelines Require 12 or more Months | General QM: Guidelines require 12 or more consecutive months bank statements. (xxxxxx/Bank Statements) |  |  | Reviewer Comment (2025-05-23): Updated | 05/23/2025 |  |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836009 | xxxxxx | 33469555 | xxxxxx | 05/19/2025 | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | Date Issued: xxxxxx Issue date: xxxxxx; Received date: xxxxxx; Signed date: xxxxxx |  |  | Reviewer Comment (2025-05-15): Client elects to waive |  |  | 05/15/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836009 | xxxxxx | 33510815 | xxxxxx | 05/23/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to missing income docs |  | Reviewer Comment (2025-06-05): March 2025 statement provided for xxxxxx. Feb 2025 for account xxxxxx was provided at time of review and removed the personal bank statements included in income. | 06/05/2025 |  |  | 1 A |  | A | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836009 | xxxxxx | 33510816 | xxxxxx | 05/23/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to missing income docs |  | Reviewer Comment (2025-06-05): March 2025 statement provided for xxxxxx. Feb 2025 for account xxxxxx was provided at time of review and removed the personal bank statements included in income. | 06/05/2025 |  |  | 1 A |  | A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836077 | xxxxxx | 33540686 | xxxxxx | 06/04/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-04): Client elects to waive |  |  | 06/04/2025 | 2 B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836077 | xxxxxx | 33540703 | xxxxxx | 06/04/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The RCE is > 1 year old. Provide the updated RCE. |  | Reviewer Comment (2025-06-13): Updated RCE and updated HOI provided with increased coverage effective as of xxxxxx (closing).<br>Reviewer Comment (2025-06-11): The RCE provided was the same one provided on xxxxxx The RCE reflects an estimated cost new of $xxxxxx. Dwelling coverage is $431,900. Coverage is short by $21,610. The updated HOI with increased coverage took effect xxxxxx which is post-close and not acceptable.<br>Reviewer Comment (2025-06-10): The guidelines do not say 80% of the RCE cost is allowed or compared. The guidelines specifically state what the coverage must be: Replacement Cost Estimator<br> o Provided from the property insurer, or<br> o Provided from a 3rd party source (i.e., xxxxxx)<br> • Estimated cost to replace the dwelling from a recent appraisal, if provided<br> • The unpaid principal balance of the mortgage(s)<br>Reviewer Comment (2025-06-06): The RCE reflects an estimated cost new of $496,700. Dwelling coverage is $431,900. Coverage is short by $21,610. | 06/13/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836077 | xxxxxx | 33573153 | xxxxxx | 06/04/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx VVOE - Employment Only | xxxxxx: The VVOE is dated post-close and the paystub is > 30 days prior to closing. Per guidelines, the VVOE must be dated within 10 days prior to closing or paystub dated within 30 days prior to closing. |  | Reviewer Comment (2025-06-10): Received VVOE dated within 10 days prior to closing. Exception cleared<br>Reviewer Comment (2025-06-06): As per guidelines VVOE dated should not be no more than 10 calendar days prior to Note date. Exception remains.<br>Reviewer Comment (2025-06-05): The condition cannot be waived. Per guidelines the VVOE needs to be dated within 10 days prior to closing vs disbursement or a paystub dated within 30 days prior to closing vs. application date. | 06/10/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836077 | xxxxxx | 33573199 | xxxxxx | 06/04/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (xxxxxx) | xxxxxx: The VVOE is dated post-close and the paystub is > 30 days prior to closing. Per guidelines, the VVOE must be dated within 10 days prior to closing or paystub dated within 30 days prior to closing. |  | Reviewer Comment (2025-06-10): VVOE provided dated within 10 days prior to closing<br>Reviewer Comment (2025-06-06): This is not an overlay as well as this loan was not reviewed to lender guidelines. This loan was reviewed to the investor's closed end second guidelines which require one of the items listed in the original condition. Being a dry funding state has no bearing on this.<br>Reviewer Comment (2025-06-05): The condition cannot be waived. Per guidelines the VVOE needs to be dated within 10 days prior to closing vs disbursement or a paystub dated within 30 days prior to closing vs. application date. | 06/10/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836077 | xxxxxx | 33573203 | xxxxxx | 06/04/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | xxxxxx: The VVOE is dated post-close and the paystub is > 30 days prior to closing. Per guidelines, the VVOE must be dated within 10 days prior to closing or paystub dated within 30 days prior to closing. |  | Reviewer Comment (2025-06-10): Loan is NonQM<br>Reviewer Comment (2025-06-06): This is not an overlay as well as this loan was not reviewed to lender guidelines. This loan was reviewed to the investor's closed end second guidelines which require one of the items listed in the original condition. Being a dry funding state has no bearing on this.<br>Reviewer Comment (2025-06-05): The condition cannot be waived. Per guidelines the VVOE needs to be dated within 10 days prior to closing vs disbursement or a paystub dated within 30 days prior to closing vs. application date. | 06/10/2025 |  |  | 1 B A C | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836077 | xxxxxx | 33573204 | xxxxxx | 06/04/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxxxx: The VVOE is dated post-close and the paystub is > 30 days prior to closing. Per guidelines, the VVOE must be dated within 10 days prior to closing or paystub dated within 30 days prior to closing. |  | Reviewer Comment (2025-06-10): VVOE provided dated within 10 days prior to closing<br>Reviewer Comment (2025-06-06): This is not an overlay as well as this loan was not reviewed to lender guidelines. This loan was reviewed to the investor's closed end second guidelines which require one of the items listed in the original condition. Being a dry funding state has no bearing on this.<br>Reviewer Comment (2025-06-05): The condition cannot be waived. Per guidelines the VVOE needs to be dated within 10 days prior to closing vs disbursement or a paystub dated within 30 days prior to closing vs. application date. | 06/10/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836077 | xxxxxx | 33573205 | xxxxxx | 06/04/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | xxxxxx: The VVOE is dated post-close and the paystub is > 30 days prior to closing. Per guidelines, the VVOE must be dated within 10 days prior to closing or paystub dated within 30 days prior to closing. |  | Reviewer Comment (2025-06-10): VVOE provided dated within 10 days prior to closing.<br>Reviewer Comment (2025-06-05): The condition cannot be waived. Per guidelines the VVOE needs to be dated within 10 days prior to closing vs disbursement or a paystub dated within 30 days prior to closing vs. application date. | 06/10/2025 |  |  | 1 A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836146 | xxxxxx | 33436533 | xxxxxx | 05/15/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Provide Full Fraud report. All parties to the transaction must be included. |  | Reviewer Comment (2025-05-19): Received Fraud Report with all the parties to the transaction included. Exception cleared. | 05/19/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836146 | xxxxxx | 33436534 | xxxxxx | 05/15/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  |  |  | Reviewer Comment (2025-05-19): Received Fraud Report. Fraud & OFAC searches run on all the parties to the transaction. Exception cleared. | 05/19/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836146 | xxxxxx | 33447577 | xxxxxx | 05/15/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Flood Insurance City does not match the Note. xxxxxx vs. xxxxxx. |  | Reviewer Comment (2025-05-19): Received updated Flood Insurance policy which matches the Note address. City corrected to 'xxxxxx'. Exception cleared. | 05/19/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836165 | xxxxxx | 33530288 | xxxxxx | 06/03/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-06-11): Received E-Sign Consent Agreement. Exception cleared. | 06/11/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 836165 | xxxxxx | 33530312 | xxxxxx | 06/03/2025 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. | Date Issued: xxxxxx Notary Fee | Seller CD states Notary Fee paid to If Needed. |  | Reviewer Comment (2025-06-02): Client elects to waive |  |  | 06/02/2025 | 2 B | B | B | xxxxxx | xxxxxx | Investment | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | B | B A | N/A | N/A | Yes | Mortgagor Focused |
| xxxxxx | 836165 | xxxxxx | 33554988 | xxxxxx | 06/03/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Business Purpose Certificate provided is missing all the relevant information (effective as of date, Lender name, loan amount, and property address). Provide the updated Business Purpose Certificate with the information completed. |  | Reviewer Comment (2025-06-18): Received Business Purpose Certificate. Exception cleared.<br>Reviewer Comment (2025-06-11): Received Business Purpose Certificate reflects incorrect loan amount. Exception remains. | 06/18/2025 |  |  | 1 C A | C | A D | xxxxxx | xxxxxx | Investment | Purchase | D B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 836175 | xxxxxx | 33528447 | xxxxxx | 06/03/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing.<br>Note: Any new tradeline with a balance must be included in determining the DTI ratio. |  | Reviewer Comment (2025-06-05): UDM provided | 06/05/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 836175 | xxxxxx | 33554803 | xxxxxx | 06/03/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor concentration allowed up to 60%. Investor concentration 94.45%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-05): Client elects to waive with verified compensation factors |  |  | 06/05/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 836204 | xxxxxx | 33413200 | xxxxxx | 05/09/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Property located at xxxxxx appear to be individual condo units based on the property profile reports. Provide the corrected 1003 to include both properties REO. If properties were sold, please provide evidence of sale. |  | Reviewer Comment (2025-06-09): Based on previous condition comments regarding documents received. Received business license and Insurance document verifying that xxxxxx are owner of these REO's. Exception cleared.<br>Reviewer Comment (2025-06-05): Received deed and property profile however per property history report borrower owns individual xxxxxx property located at "xxxxxx" therefore these two properties needs to be included in final 1003. Exception Remains.<br>Reviewer Comment (2025-05-15): The UW notes are not acceptable. There is no evidence property functions as a xxxxxx or if the borrower owns the xxxxxx unit only. | 06/09/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 836204 | xxxxxx | 33413270 | xxxxxx | 05/09/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Address: xxxxxx HOA Verification, Insurance Verification<br> HOA Verification, Insurance Verification | Property located at xxxxxx appear to be individual xxxxxx units based on the property profile reports. Please provide evidence of insurance and HOA. If sold, please provide evidence of sale. |  | Reviewer Comment (2025-06-09):Received business license and Insurance document verifying that xxxxxx are owner of these REO's. Exception cleared.<br>Reviewer Comment (2025-06-05): Received deed and property profile however per property history report borrower owns xxxxxx property located at xxxxxx" therefore these two properties needs to be included in DTI calculation. Exception Remains.<br>Reviewer Comment (2025-05-15): The UW notes are not acceptable. There is no evidence property functions as a xxxxxx or if the borrower owns the xxxxxx unit only. | 06/09/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 836208 | xxxxxx | 33810892 | xxxxxx | 05/23/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,566.00 exceeds tolerance of $1,255.00 plus 10% or $1,380.50. Insufficient or no cure was provided to the borrower. xxxxxx | Valid change of circumstance or sufficient cure is missing. |  | Reviewer Comment (2025-06-25): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check.<br>Reviewer Comment (2025-06-16): SitusAMC would require cure of $185.50 in order to cure the 10% tolerance exception. Kindly provide cure documents i.e. Post CD, LOX, Copy of refund check and proof of mailing. |  | 06/25/2025 |  | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836208 | xxxxxx | 33810893 | xxxxxx | 05/23/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,144.40 exceeds tolerance of $1,142.00. Insufficient or no cure was provided to the borrower. (8304) | Valid change of circumstance or sufficient cure is missing. |  | Reviewer Comment (2025-06-25): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check.<br>Reviewer Comment (2025-06-16): SitusAMC would require cure of $2.40 for the transfer tax increase. Kindly provide cure documents which includes Post CD, LOX, Copy of refund check and proof of mailing. |  | 06/25/2025 |  | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836211 | xxxxxx | 33498758 | xxxxxx | 05/23/2025 | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | The PPP to the Note does not reflect the Borrowing Entity. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-21): Client elect to waive |  |  | 05/21/2025 | 2 B | B | B | xxxxxx | xxxxxx | Investment | Purchase | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836269 | xxxxxx | 33429511 | xxxxxx | 05/14/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  |  |  | Reviewer Comment (2025-05-16): Received Full fraud report. All participants to transaction are included in fraud and OFAC search. Exception cleared. | 05/16/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836269 | xxxxxx | 33429513 | xxxxxx | 05/14/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Full Fraud report is missing. Must contain all participants. |  | Reviewer Comment (2025-05-16): Received Full fraud report. All participants to transaction are included in fraud and OFAC search. Exception cleared. | 05/16/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836269 | xxxxxx | 33441395 | xxxxxx | 05/14/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The VOM for the subject property does not appear on the credit report. 12 month borrower pay history, mortgage statement with servicer pay history and VOM provided. Pending receipt of mortgage payoff. |  | Reviewer Comment (2025-05-20): Received Payoff Statement. Exception cleared. | 05/20/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836269 | xxxxxx | 33441397 | xxxxxx | 05/14/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The mortgage history for the borrower's primary residence does not appear on the credit report. Borrower 12 month pay history provided. Provide a copy of the Note or recent Mortgage statement. |  | Reviewer Comment (2025-05-21): Received Note. Exception cleared.<br>Reviewer Comment (2025-05-20): Received VOM, Bank Statement, Pay history and Payoff Statement. However, the document requested is for a copy of the Note or recent Mortgage statement. Exception remains. | 05/21/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836269 | xxxxxx | 33441415 | xxxxxx | 05/14/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Title Preliminary not provided |  | Refinance transaction and only the final title policy was provided. Provide the prelim report or deed to support the Borrowing LLC or Guarantor was vested at least 6 months prior to closing. |  | Reviewer Comment (2025-05-16): Received Title commitment. Exception cleared. | 05/16/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836283 | xxxxxx | 33452559 | xxxxxx | 05/19/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $107,413.95 is less than Cash From Borrower $173,218.72. |  |  | Reviewer Comment (2025-05-20): Final CD from additional REO transaction provided | 05/20/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836283 | xxxxxx | 33452949 | xxxxxx | 05/19/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. |  |  | Reviewer Comment (2025-05-20): Final CD from additional REO transaction provided | 05/20/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836291 | xxxxxx | 33435856 | xxxxxx | 05/15/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-05-19): Approval provided | 05/19/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836311 | xxxxxx | 33436146 | xxxxxx | 05/13/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Status Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided or Closing Disclosure not provided prior to closing. Any applicable Federal, State or Local compliance testing is unreliable or not performed. Loan is subject to high cost testing. | The file is missing LEs and CDs. |  | Reviewer Comment (2025-05-16): SitusAMC LE's & CD's | 05/16/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836311 | xxxxxx | 33436147 | xxxxxx | 05/13/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after xxxxxx , no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $0.00 may be required. | The file is missing LEs and CDs. |  | Reviewer Comment (2025-05-16): SitusAMC LE's & CD's | 05/16/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | No Defined Cure B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836311 | xxxxxx | 33436148 | xxxxxx | 05/13/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final Closing Disclosure Received Date. Unable to determine compliance with rescission timing requirements. | The file is missing LEs and CDs. |  | Reviewer Comment (2025-05-16): SitusAMC LE's & CD's | 05/16/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836311 | xxxxxx | 33436150 | xxxxxx | 05/13/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-05-20): Final 1003 provided | 05/20/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836311 | xxxxxx | 33436346 | xxxxxx | 05/13/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of is greater than Guideline total cash-out of $5,000.00. | The file is missing Final Closing Disclosure to verify the information. |  | Reviewer Comment (2025-05-16): Final CD provided | 05/16/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836311 | xxxxxx | 33437591 | xxxxxx | 05/13/2025 | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | The borrower does not met the minimum 12 months reserves for an escrow waiver. Minimum reserves required for escrow waiver based off ITIA is $122,901.96. Borrower has $121,466.34. |  | Reviewer Comment (2025-05-27): Additional asset statements provided to meet wavier requirement escrows. | 05/27/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836311 | xxxxxx | 33473709 | xxxxxx | 05/16/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75104) | Missing valid changed circumstance for adding fee and no cure at closing |  | Reviewer Comment (2025-06-10): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Reviewer Comment (2025-06-09): Situsamc Appraisal review fee $93 added on revised LE dated xxxxxx without valid COC. COC dated xxxxxx states rate lock is not a valid reason for addition of Appraisal Review fee. Provide additional information for the addition of Appraisal review fee on LE dated xxxxxx or provide cure Docs. Cure docs Consists of PCCD, LOE, Refund Check and Proof of Mailing.<br>Reviewer Comment (2025-06-05): SitusAMC received addendum. However, the fee added on LE dated xxxxxx for $93.00. Kindly provide a valid COC for the fee added on LE dated xxxxxx or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Reviewer Comment (2025-06-03): SitusAMC received COC dated xxxxxx stating loan file was locked however the reason mentioned is not valid. Kindly provide a valid reason as to why the Appraisal Review fee were added on LE dated xxxxxx for $93 or provide cure docs. Cure documents consist of post CD,LOX,Copy of refund check and proof of mailing.<br>Reviewer Comment (2025-05-21): SitusAMC received rebuttal comment and COC dated xxxxxx indicates Loan locked. but it does not give sufficient information on what new information was received that required to add the Appraisal review fee. Also, the fee was not tied with Rate locked. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. |  | 06/10/2025 |  | 2 B |  | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836311 | xxxxxx | 33473729 | xxxxxx | 05/16/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. (Final xxxxxx) | SitusAMC received final CD which missing reason for not having escrow on page 4. Corrected CD & LOE to borrower to cure. |  | Reviewer Comment (2025-06-05): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-06-03): SitusAMC received correction on Final CD. However, we would require correction to be made on Post CD along with LOX. |  | 06/05/2025 |  | 2 B |  | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836311 | xxxxxx | 33473977 | xxxxxx | 05/16/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xxxxxx , prior to three (3) business days from transaction date of xxxxxx . |  |  | Reviewer Comment (2025-05-20): Final signed CD provided with signature date, closing and disbursement date. Rescission requirements met.<br>Reviewer Comment (2025-05-16): Final CD provided post-review. The Final CD is not signed and dated by either party. | 05/20/2025 |  |  | 1 A |  | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836311 | xxxxxx | 33473978 | xxxxxx | 05/16/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  | Reviewer Comment (2025-05-20): Final signed CD provided with signature date, closing and disbursement date. Rescission requirements met.<br>Reviewer Comment (2025-05-16): Final CD provided post-review. The Final CD is not signed and dated by either party. | 05/20/2025 |  |  | 1 A |  | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836311 | xxxxxx | 33473991 | xxxxxx | 05/16/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Provided to All Parties Test | TILA-RESPA Integrated Disclosure: Closing Disclosure was not provided to all parties whose ownership interest is or will be subject to the security interest. | The Final CD is not signed and dated by either party. |  | Reviewer Comment (2025-05-20): SitusAMC received executed final CD xxxxxx signed by all parties | 05/20/2025 |  |  | 1 A |  | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure, and proof of delivery and NORTC if reopened rescission required B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836311 | xxxxxx | 33473992 | xxxxxx | 05/16/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial xxxxxx) | Evidence of earlier receipt not provided |  | Reviewer Comment (2025-05-21): SitusAMC received disclosure Tracking for CD dated xxxxxx received to consumer 3 business days prior to the consummation. | 05/21/2025 |  |  | 1 A |  | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | No Defined Cure B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836328 | xxxxxx | 33693585 | xxxxxx | 06/18/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the Notes for the property on xxxxxx. The mortgage statement reflects a non-borrower, however mortgage statements do not always reflect all borrowers. The property profile report reflects both borrower and non-borrower on the previous and current loan. Housing history was not provided. |  | Reviewer Comment (2025-06-25): Received Note for the property located on xxxxxx, mortgage being paid by non-borrower. Exception cleared. | 06/25/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836387 | xxxxxx | 33387018 | xxxxxx | 05/06/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2025-05-08): FTP provided | 05/08/2025 |  |  | 1 A | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836387 | xxxxxx | 33387054 | xxxxxx | 05/06/2025 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | Credit Report: Original // Borrower: xxxxxx | Provide the scored credit report dated at or prior to closing | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2025-05-09): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-07): A gap report was provided which does not reflect scores. When the credit report is provided a new scored report dated at or prior to closing is required. Investor can elect to waive with verified compensation factors. |  |  | 05/09/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836387 | xxxxxx | 33397816 | xxxxxx | 05/06/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Housing payments must be paid current as of 45 days of the loan application date. Provide the updated housing history for the borrower's primary residence with lien holder xxxxxx. |  | Reviewer Comment (2025-05-07): Received credit report with housing payments paid current as of 45 days. Exception cleared. | 05/07/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836387 | xxxxxx | 33397830 | xxxxxx | 05/06/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. Multiple judgments on title not addressed. |  | Reviewer Comment (2025-05-08): Clear FTP provided | 05/08/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836387 | xxxxxx | 33427989 | xxxxxx | 05/08/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The FTP provided post review reflects a PUD endorsement is attached, however the appraisal does not reflect PUD or HOA dues. |  | Reviewer Comment (2025-05-20): Endorsement provided indicating PUD endorsement will be removed. | 05/20/2025 |  |  | 1 A |  | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836399 | xxxxxx | 33601093 | xxxxxx | 06/12/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $397,259.50 is over disclosed by $200.00 compared to the calculated Amount Financed of $397,059.50 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed an amount financed of $397,259.50; calculated amount financed is $397,059.50. Variance is $200.00 which is the Appraisal Management Fee. |  | Reviewer Comment (2025-06-24): SitusAMC received statement of fee purpose.<br>Reviewer Comment (2025-06-19): AMC fee is excludable if it is primarily for services related to items listed in 1026.4(c)(7) such as the cost of verifying or confirming information connected to the appraisal. Otherwise, if a lump sum charged for several services includes charges that are not excludable, a portion of the total should be allocated to those services and included in the finance charge. If the AMC's fee is primarily for verifying or confirming information connected to the appraisal, please provide an attestation indicating such, otherwise, if a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to a 4c7 excludable service, the entire fee may be treated as a finance charge. | 06/24/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 836399 | xxxxxx | 33601096 | xxxxxx | 06/12/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $700,664.85 is under disclosed by $200.00 compared to the calculated Finance Charge of $700,864.85 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed a finance charge of $700,664.85; calculated finance charge is $700,864.85. Variance is $200.00 which is the Appraisal Management Fee. |  | Reviewer Comment (2025-06-24): SitusAMC received statement of fee purpose.<br>Reviewer Comment (2025-06-19): AMC fee is excludable if it is primarily for services related to items listed in 1026.4(c)(7) such as the cost of verifying or confirming information connected to the appraisal. Otherwise, if a lump sum charged for several services includes charges that are not excludable, a portion of the total should be allocated to those services and included in the finance charge. If the AMC's fee is primarily for verifying or confirming information connected to the appraisal, please provide an attestation indicating such, otherwise, if a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to a 4c7 excludable service, the entire fee may be treated as a finance charge. | 06/24/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 836410 | xxxxxx | 33523415 | xxxxxx | 06/02/2025 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  | Reviewer Comment (2025-06-02): Client elects to waive |  |  | 06/02/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | B | B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836410 | xxxxxx | 33549559 | xxxxxx | 06/02/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | The 442 in file reflects NO as checked for "Were all improvements completed in accordance wit the retirements and conditions stated in the original appraisal report?" |  | Reviewer Comment (2025-06-06): Received updated 442 document. Excepiton cleared. | 06/06/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | B | B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836419 | xxxxxx | 33504524 | xxxxxx | 05/23/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | xxxxxx CU score 1.0, xxxxxx CU score 3.5. Due to discrepancy, a secondary valuation is required. |  | Reviewer Comment (2025-06-05): AVM provided | 06/05/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836419 | xxxxxx | 33504599 | xxxxxx | 05/23/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The FTP reflects a PUD endorsement is attached, however the appraisal nor DOT reflect PUD nor HOA dues provided. |  | Reviewer Comment (2025-06-02): Corrected later dated FTP provided removing endorsement. | 06/02/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836521 | xxxxxx | 33476118 | xxxxxx | 05/22/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $865.00 exceeds tolerance of $725.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Total Lender cure of $278.00 is reflecting on Final CD which include cure of $140.00 which was additional charged to the borrower for Appraisal Fee. |  | Reviewer Comment (2025-05-16): Sufficient Cure Provided At Closing |  | 05/16/2025 |  | 1 A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 836521 | xxxxxx | 33476119 | xxxxxx | 05/22/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $138.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Total Lender cure of $278.00 is reflecting on Final CD which include cure of $138.00 which was additional charged to the borrower for Credit Report Fee. |  | Reviewer Comment (2025-05-16): Sufficient Cure Provided At Closing |  | 05/16/2025 |  | 1 A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 836541 | xxxxxx | 33455832 | xxxxxx | 05/19/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification |  |  | Reviewer Comment (2025-05-22): Received property history report wherein property is in name of LLC. Exception cleared. | 05/22/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 836541 | xxxxxx | 33455836 | xxxxxx | 05/19/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-05-27): Received Final 1003. Exception cleared. | 05/27/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 836541 | xxxxxx | 33456204 | xxxxxx | 05/19/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Guarantor Agreement on page 1 does not show the member, xxxxxx, as the guarantor, but shows the business entity as guarantor. Provide the corrected agreement. |  | Reviewer Comment (2025-06-02): Received Guarantor Agreement showing xxxxxx as the guarantor. Exception cleared.<br>Reviewer Comment (2025-05-27): Received same Guarantor Agreement that was provided at the time of review. Please provide the document as requested on the original condition. Exception remains. | 06/02/2025 |  |  | 1 D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 836541 | xxxxxx | 33456242 | xxxxxx | 05/19/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  | Reviewer Comment (2025-05-15): Client elects to waive |  |  | 05/15/2025 | 2 B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 836541 | xxxxxx | 33468860 | xxxxxx | 05/19/2025 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. | Date Issued: xxxxxx Title - Endorsement Fee, Title - Notary Fee |  |  | Reviewer Comment (2025-05-15): Client elects to waive |  |  | 05/15/2025 | 2 B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | B | B A | N/A | N/A | Yes | Mortgagor Focused |
| xxxxxx | 836541 | xxxxxx | 33468865 | xxxxxx | 05/19/2025 | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  |  |  | Reviewer Comment (2025-05-15): Client elects to waive |  |  | 05/15/2025 | 2 B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 836546 | xxxxxx | 33472419 | xxxxxx | 05/20/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Prepayment Penalty | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan contains a Prepayment Penalty. (Final xxxxxx) | Prepayment Penalty data in the Loan Terms section is blank or does not match the Prepayment Penalty data on the Note screen. No PPP on Note and CD's reflect Yes with no terms. |  | Reviewer Comment (2025-05-19): Client elects to waive |  |  | 05/19/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | B | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836546 | xxxxxx | 33472493 | xxxxxx | 05/20/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-05-27): Received Approval. Exception cleared. | 05/27/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836546 | xxxxxx | 33472504 | xxxxxx | 05/20/2025 | Compliance | Compliance | Miscellaneous Compliance | TILA | Prepayment Penalty Discrepancy | Final TIL / CD indicates loan has PPP, however file does not contain prepayment penalty addendum. Missing prepay data may result in invalid high cost, xxxxxx, and/or QM points and fees findings. | Prepayment Penalty data in the Loan Terms section is blank or does not match the Prepayment Penalty data on the Note screen. No PPP on Note and CD's reflect Yes with no terms. |  | Reviewer Comment (2025-05-19): Client elects to waive |  |  | 05/19/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836546 | xxxxxx | 33481185 | xxxxxx | 05/20/2025 | Credit | Guideline | Guideline Issue | Guideline | Program Guidelines require the borrower has been in business for a minimum of 2 years. |  | Per guidelines, the business being used to qualify must be open and active for at least 2 years. Per the Articles and SOS, the business started on xxxxxx which is 1.24 years. The CPA noted the borrower has been in business for 5 years, however being in the same line of work and the business being used to qualifying being open and active for 2 years are not the same thing. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-29): Client elects to waive with verified compensation factors |  |  | 05/29/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836546 | xxxxxx | 33481203 | xxxxxx | 05/20/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | A third-party VOR is required for any file when the borrower is currently renting. The borrower's pay history was only provided via bank statements. |  | Reviewer Comment (2025-06-04): Received VOR for primary property. Exception cleared. | 06/04/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836591 | xxxxxx | 33404689 | xxxxxx | 05/08/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial xxxxxx) | Evidence of earlier receipt not provided |  | Reviewer Comment (2025-05-22): SitusAMC received initial CD.<br>Reviewer Comment (2025-05-20): Please provide confirmation of receipt or mailing of xxxxxx CD.<br>Reviewer Comment (2025-05-20): SitusAMC received xxxxxx CD without receipt. Please provide documentation of receipt if available. The mailbox rule is applied therefore receipt date is xxxxxx . Consummation date is xxxxxx . xxxxxx is day 1, xxxxxx is day 2. Please provide documentation if the CD was received xxxxxx (day 3) or earlier for review. | 05/22/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836591 | xxxxxx | 33404690 | xxxxxx | 05/08/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xxxxxx not received by borrower at least four (4) business days prior to closing. (Interim xxxxxx) | Evidence of earlier receipt not provided |  | Reviewer Comment (2025-05-27): SitusAMC received xxxxxx LE with electronic signature with earlier receipt<br>Reviewer Comment (2025-05-22): SitusAMC received disclosure tracking for xxxxxx LE. However, the document states status as "delivered", but does not reflect "When" delivered. The Creation date is xxxxxx @ 8:03PM ET, but that is assumed to be the date the xxxxxx LE was created and sent. On Event log, there is only xxxxxx Actions by borrower and on xxxxxx (which is same as the mailbox rule delivery date and not meeting timing requirements) shows Electronic Consent accepted by another party that is not the borrower. Please provide proof of receipt/viewing of the xxxxxx LE within 4 business days of closing.<br>Reviewer Comment (2025-05-20): Please provide confirmation of receipt or mailing of xxxxxx LE. | 05/27/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836591 | xxxxxx | 33408183 | xxxxxx | 05/08/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-05): Client elects to waive |  |  | 05/05/2025 | 2 B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836591 | xxxxxx | 33408199 | xxxxxx | 05/08/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx 1040 (2023), 1120S (2023), Paystubs | 1) If the borrower pays themselves wage income, a YTD paystub must be included in the file. 2) 2023/2024 signed and dated1040's and 1120S not provided. Doc Type was submitted as a 2 year full doc. |  | Reviewer Comment (2025-05-29): 2024 signed and dated 1040's provided. CPA letter provided reflecting xxxxxx is a disregarded entity and doesn't file a separate return and all figures are included in xxxxxxwhich was used to qualify.<br>Reviewer Comment (2025-05-15): Received signed and dated 2023 1040 and 1120S, YTD paystubs. However, per email from CPA, the xxxxxx is a disregarded entity. Received YTD Paystubs and W-2 are for the xxxxxx. Therefore provide document to verify if xxxxxx and xxxxxxInc are the same company. Exception remains | 05/29/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836591 | xxxxxx | 33504164 | xxxxxx | 05/22/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to missing income documents |  | Reviewer Comment (2025-05-29): Additional missing income documents provided | 05/29/2025 |  |  | 1 A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836591 | xxxxxx | 33504165 | xxxxxx | 05/22/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to missing income documents |  | Reviewer Comment (2025-05-29): Additional missing income documents provided | 05/29/2025 |  |  | 1 A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836603 | xxxxxx | 33522702 | xxxxxx | 05/02/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception at origination to allow deductible on HOI exceeding 5% of the dwelling coverage. The deductible is 5.94% of the dwelling coverage. Unable to waive due to lack of valid compensating factors. Please provide valid compensating factors. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-05-09): Waived with compensating factors per lender direction. |  |  | 05/09/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836611 | xxxxxx | 33523650 | xxxxxx | 06/02/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-05-30): Client elects to waive |  |  | 05/30/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836611 | xxxxxx | 33523668 | xxxxxx | 06/02/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | Evidence of earlier receipt not provided. |  | Reviewer Comment (2025-06-04): SitusAMC received xxxxxx CD 3 business days prior to consummation. | 06/04/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836611 | xxxxxx | 33526906 | xxxxxx | 06/02/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included. The Seller xxxxxx, is missing. |  | Reviewer Comment (2025-06-04): Received Fraud and OFAC search run on Seller xxxxxx. Exception cleared. | 06/04/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836611 | xxxxxx | 33544126 | xxxxxx | 06/02/2025 | Credit | Guideline | Guideline Issue | Guideline | Program Guidelines require the borrower has been in business for a minimum of 2 years. |  | Per guidelines, the business utilized to qualify must be open and active for 2 years. Per the CPA letter and business docs, business started xxxxxx (1.02 years). | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-06-03): Client elects to waive with verified compensation factors |  |  | 06/03/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836611 | xxxxxx | 33544151 | xxxxxx | 06/02/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per the income worksheet and bank statements in file, the borrower is utilizing 2 bank statements from xxxxxx Bank xxxxxx from xxxxxx xxxxxx 25 to make up the 12 months of bank statements for account #xxxxxx. There is no evidence of bank change or closing of xxxxxx. The guidelines do not state this is allowed. It should be further noted, the business did not start until xxxxxx . | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-06-04): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-03): The exception does not cover this condition and is for only the < 2 years of xxxxxx siness open for < 2 years. It does not indicate different bank statements can be used to qualify to make up the 12 months statements. |  |  | 06/04/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836611 | xxxxxx | 33544303 | xxxxxx | 06/02/2025 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure for property located in a flood zone. |  |  | Reviewer Comment (2025-05-30): Client elects to waive |  |  | 05/30/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836631 | xxxxxx | 33419264 | xxxxxx | 05/12/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Mortgage for borrower's primary residence does not appear on the credit report. Provide Proof of borrower's payment for the most recent 6-months and Mortgage statement or Note for the review period to verify monthly payment amount is required. VOM was provided. |  | Reviewer Comment (2025-05-15): Received Mortgage Statement for primary residence. Exception cleared.<br>Reviewer Comment (2025-05-14): Received proof of borrower's payment for the most recent 6-months. Provide Mortgage statement or Note. Exception remains. | 05/15/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836631 | xxxxxx | 33422356 | xxxxxx | 05/12/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report not run on settlement agent, xxxxxx |  | Reviewer Comment (2025-05-15): Received updated fraud report. Fraud and OFAC run on the settlement agent. Exception cleared.<br>Reviewer Comment (2025-05-14): Received updated fraud report. Fraud and OFAC run on the settlement agent. However there are red flags that was not addressed. Exception remains. | 05/15/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836631 | xxxxxx | 33423433 | xxxxxx | 05/12/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | Property was acquired by borrower on xxxxxx which is > 6 months but < 12 months. Evidence of purchase price was not provided. Per guidelines, the lower of the appraised value or purchase price + doc improvements is to be utilized. |  | Reviewer Comment (2025-05-14): Initial purchase price provided. Appraised value is lower and used to qualify. | 05/14/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836662 | xxxxxx | 33583693 | xxxxxx | 06/10/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Reviewer Comment (2025-06-09): Client elects to waive with verified compensation factors |  |  | 06/09/2025 | 2 B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836668 | xxxxxx | 33433307 | xxxxxx | 05/12/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Citizenship Affidavit not provided |  |  |  | Reviewer Comment (2025-05-20): Received Citizenship Affidavit. Exception cleared.<br>Reviewer Comment (2025-05-16): Received Citizenship Affidavit for borrower, xxxxxx. Provide Citizenship Affidavit for borrower, xxxxxx. Exception remains. | 05/20/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836668 | xxxxxx | 33434983 | xxxxxx | 05/12/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | COGS in file is not dated. Must be within 1 year of closing. |  | Reviewer Comment (2025-05-27): Received Certificate of Good Standing. Exception cleared. | 05/27/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836703 | xxxxxx | 33506251 | xxxxxx | 05/28/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification, Statement | Provide the mortgage statement to verify if the taxes and insurance are escrowed. If not provide evidence of insurance (taxes in file). |  | Reviewer Comment (2025-06-03): Received HOA statement. Exception cleared.<br>Reviewer Comment (2025-05-30): Received Note, Closing Disclosure and Hazard Insurance document. Provide HOA verification. Exception remains. | 06/03/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836703 | xxxxxx | 33506349 | xxxxxx | 05/28/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Housing history does not appear on credit for the property on xxxxxx. Provide the 12-months housing history from the lender/creditor along with a copy of the Note or mortgage statement and borrower's 6 month pay history. |  | Reviewer Comment (2025-05-30): As per Closing Disclosure, Hazard Insurance Disclosure and Note document borrower refinanced recently. Exception cleared. | 05/30/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836708 | xxxxxx | 33425548 | xxxxxx | 05/13/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or UDM report is required no more than 30 days prior to loan closing. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-03): Client elects to waive with verified compensation factors |  |  | 06/03/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Second Home | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836708 | xxxxxx | 33425583 | xxxxxx | 05/13/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | Evidence of earlier receipt not provided. Only the Final CD. |  | Reviewer Comment (2025-06-03): SitusAMC received initial CD. | 06/03/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | No Defined Cure B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836708 | xxxxxx | 33428002 | xxxxxx | 05/13/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report and OFAC not run on seller, xxxxxx. |  | Reviewer Comment (2025-06-03): Received updated Fraud report. Fraud & OFAC search run on seller xxxxxx. Exception cleared. | 06/03/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836708 | xxxxxx | 33437443 | xxxxxx | 05/13/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Provide the RCE. |  | Reviewer Comment (2025-05-16): RCE provided<br>Reviewer Comment (2025-05-14): Rebuttal is not acceptable. Lender's guidelines do not say coverage of the loan amount is sufficient. | 05/16/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836718 | xxxxxx | 33497740 | xxxxxx | 05/28/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-06-02): FTP provided | 06/02/2025 |  |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836718 | xxxxxx | 33497812 | xxxxxx | 05/28/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 47.04629% exceeds Guideline total debt ratio of 45.00000%. | Max DTI is 45% for a FTHB. Investor exception in file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-27): Client elects to waive with verified compensation factors |  |  | 05/27/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836718 | xxxxxx | 33497837 | xxxxxx | 05/28/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 47.04629% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Max DTI is 45% for a FTHB. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-27): Client elects to waive with verified compensation factors |  |  | 05/27/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836718 | xxxxxx | 33497876 | xxxxxx | 05/28/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Third-party VOR is required for any file when the borrower is currently renting. Lease and 12 months borrower pay history provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-30): Client elects to waive with verified compensation factors |  |  | 05/30/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836718 | xxxxxx | 33498888 | xxxxxx | 05/28/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | City reflects xxxxxx vs. xxxxxx. |  | Reviewer Comment (2025-06-02): Updated flood cert provided<br>Reviewer Comment (2025-05-30): No new documents received. Please try uploading again. | 06/02/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836718 | xxxxxx | 33522446 | xxxxxx | 05/28/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Policy: City reflects xxxxxx vs. xxxxxx. |  | Reviewer Comment (2025-06-02): FTP provided<br>Reviewer Comment (2025-05-30): The correct policy and incorrect policy is dated and time stamped the same. Provide evidence of which was provided last (i.e. email from title with updates) | 06/02/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836741 | xxxxxx | 33515785 | xxxxxx | 05/30/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 0.00 on Final Closing Disclosure provided on xxxxxx are underdisclosed (Final xxxxxx) |  |  | Reviewer Comment (2025-06-05): SitusAMC received Letter of Explanation & Corrected Closing Disclosure. |  | 06/05/2025 |  | 2 C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 836741 | xxxxxx | 33515786 | xxxxxx | 05/30/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxxxx disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. (Final xxxxxx) | The Estimated Taxes, Insurance and Assessments were not captured appropriately on Final CD. |  | Reviewer Comment (2025-06-05): SitusAMC received Letter of Explanation and Corrected CD. |  | 06/05/2025 |  | 2 C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 836741 | xxxxxx | 33515787 | xxxxxx | 05/30/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-3,342.06 exceeds tolerance of $-4,032.00. Insufficient or no cure was provided to the borrower. (9300) | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-3,342.06 exceeds tolerance of $-4,032.00. Insufficient or no cure was provided to the borrower. |  | Reviewer Comment (2025-06-05): SitusAMC received a valid COC. | 06/05/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 836741 | xxxxxx | 33515788 | xxxxxx | 05/30/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-05-29): Client elects to waive |  |  | 05/29/2025 | 2 B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836741 | xxxxxx | 33515789 | xxxxxx | 05/30/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2025-06-13): Received final title policy. Exception Cleared. | 06/13/2025 |  |  | 1 A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836741 | xxxxxx | 33515806 | xxxxxx | 05/30/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  |  |  | Reviewer Comment (2025-06-03): Received Note - Senior Lien. Exception cleared. | 06/03/2025 |  |  | 1 D A | N/A | N/A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836741 | xxxxxx | 33537524 | xxxxxx | 05/30/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | xxxxxx CU 1.2, xxxxxx CU 4.0. Due to discrepancy a secondary valuation is required. |  | Reviewer Comment (2025-06-06): CDA provided | 06/06/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836741 | xxxxxx | 33537770 | xxxxxx | 05/30/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $1,195.00 exceeds tolerance of $1,050.00. Insufficient or no cure was provided to the borrower. (73196) | COC reflects borrower paid 2% which is not a valid reason to add a UW fee. Additional information is required to determine if COC is valid. |  | Reviewer Comment (2025-06-18): SitusAMC received Letter of Explanation, Cancelled Refund check & Corrected CD<br>Reviewer Comment (2025-06-11): SitusAMC received PCCD, LOE and copy of refund check. Missing proof of mailing. Please provide proof of mailing to cure the exception.<br>Reviewer Comment (2025-06-10): SitusAMC received Copy of refund check. However, we would also require Post CD, LOX and proof of mailing in order to cure the exception.<br>Reviewer Comment (2025-06-09): SitusAMC received copy of refund check of $145, however we also require PCCD, LOE and proof of mailing to cure the exception. Please provide the same to cure the exception.<br>Reviewer Comment (2025-06-05): SItusAMC received COC. However, the fee increased on LE dated xxxxxx and the COC provided doesn't give sufficient information as to why the underwriting fee increased on LE dated xxxxxx or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Reviewer Comment (2025-06-05): SitusAMC received a valid COC. |  | 06/18/2025 |  | 2 C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 836741 | xxxxxx | 33537771 | xxxxxx | 05/30/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $7,569.78 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7325) | COC reflects borrower paid 2% which is not a valid reason to change LPC to BPC. Additional information is required to determine if COC is valid. |  | Reviewer Comment (2025-06-05): SitusAMC received a valid COC. | 06/05/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 836741 | xxxxxx | 33537818 | xxxxxx | 05/30/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide the updated 1003. xxxxxx is not a mortgage lien. xxxxxx Lien per title. (also updated to I-1 on gap report from M-1). |  | Reviewer Comment (2025-06-04): Updated 1003 provided | 06/04/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836741 | xxxxxx | 33574720 | xxxxxx | 06/04/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: Subordination Agreement not provided |  | Provide the subordination agreement for xxxxxx (xxxxxx Lien on title) per guidelines or the UCC Termination. |  | Reviewer Comment (2025-06-18): Clear final title policy provided with no UCC<br>Reviewer Comment (2025-06-06): None of the document provided clear the condition. Please review the original condition. Provide the subordination agreement for xxxxxx (xxxxxx Lien on title) per guidelines or the UCC Termination. | 06/18/2025 |  |  | 1 A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836745 | xxxxxx | 33514341 | xxxxxx | 05/30/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx HOA Verification |  |  | Reviewer Comment (2025-06-03): Received 1004 for HOA verification. Exception cleared. | 06/03/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836745 | xxxxxx | 33514495 | xxxxxx | 05/30/2025 | Compliance | Compliance | State Compliance | State Defect | (xxxxxx 50(a)(6)) xxxxxx Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided) | xxxxxx Constitution Section 50(a)(6): Borrower did not receive written "Acknowledgment of the Fair Market Value" of homestead property securing loan. |  |  | Reviewer Comment (2025-06-11): Signed disclosure provided | 06/11/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. C A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 836745 | xxxxxx | 33514744 | xxxxxx | 05/30/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participant, settlement agent, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-06-03): Received Fraud and OFAC search run on settlement agent, xxxxxx. Exception cleared. | 06/03/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836745 | xxxxxx | 33541256 | xxxxxx | 05/30/2025 | Compliance | Compliance | State Compliance | State Defect | (xxxxxx 50(a)(6)) xxxxxx Cash-out Loan (No evidence that borrower received copies of all documents signed at closing) | xxxxxx Constitution Section 50(a)(6): xxxxxx Cash-out Loan. No evidence that borrower(s) received copies of all documents signed at time of closing. |  |  | Reviewer Comment (2025-06-11): Email from title confirming the executed and final signed closing package was provided to the borrower. | 06/11/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Either Deliver the required documents to the borrower or refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 836769 | xxxxxx | 33473939 | xxxxxx | 05/21/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for AVM Fee. Fee Amount of $13.50 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7514) | Total Lender cure of $21.50 is reflecting on Final CD, which include AVM Fees $13.50. |  | Reviewer Comment (2025-05-16): Sufficient Cure Provided At Closing |  | 05/16/2025 |  | 1 A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 836769 | xxxxxx | 33473940 | xxxxxx | 05/21/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $67.00 exceeds tolerance of $59.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Total Lender cure of $21.50 is reflecting on Final CD, which include Credit Report Fee $8.00. |  | Reviewer Comment (2025-05-16): Sufficient Cure Provided At Closing |  | 05/16/2025 |  | 1 A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 836769 | xxxxxx | 33488422 | xxxxxx | 05/21/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-02): Client elects to waive with verified compensation factors |  |  | 06/02/2025 | 2 D B | N/A | N/A D B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836769 | xxxxxx | 33488446 | xxxxxx | 05/21/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | HOA Error: HOA dues not provided. |  | Property is a PUD and HOA dues were not provided. |  | Reviewer Comment (2025-05-22): HOA dues provided | 05/22/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836769 | xxxxxx | 33488464 | xxxxxx | 05/21/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Current mortgagee + ISAOA is missing. |  | Reviewer Comment (2025-05-30): Updated HOI provided | 05/30/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836774 | xxxxxx | 33499007 | xxxxxx | 05/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $829,751.70 is over disclosed by $197.00 compared to the calculated Amount Financed of $829,554.70 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed an amount financed of $829,751,70; calculated amount financed is $829,554.70. Variance is $197.00. |  | Reviewer Comment (2025-06-18): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Reviewer Comment (2025-06-11): Unable to cure until remediation package has been received by courier. |  | 06/18/2025 |  | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 836774 | xxxxxx | 33499008 | xxxxxx | 05/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $1,522,290.15 is under disclosed by $197.00 compared to the calculated Finance Charge of $1,522,487.15 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed a finance charge of $1,522,290.15; calculated finance charge is $1,522,487.15. Variance is $197.00. |  | Reviewer Comment (2025-06-18): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Reviewer Comment (2025-06-11): Unable to cure until remediation package has been received by courier. |  | 06/18/2025 |  | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 836774 | xxxxxx | 33499036 | xxxxxx | 05/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xxxxxx not received by borrower at least four (4) business days prior to closing. (Interim xxxxxx) | Evidence of earlier receipt not provided |  | Reviewer Comment (2025-06-11): SitusAMC received proof of earlier electronic receipt | 06/11/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836774 | xxxxxx | 33515952 | xxxxxx | 05/27/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | Provide the final signed settlement statement for the sale on xxxxxx utilized for closing/reserves. |  | Reviewer Comment (2025-06-12): Received signed final HUD. Exception cleared. | 06/12/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836779 | xxxxxx | 33468330 | xxxxxx | 05/19/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated xxxxxx). The disclosed Total of Payments in the amount of $921,708.89 is under disclosed by $137.38 compared to the calculated total of payments of $921,846.27 which exceeds the $35.00 threshold. (Final xxxxxx) | Final Closing Disclosure disclosed a TOP of $921,708.89; calculated TOP is $921,846.12. Variance is $137.38. |  | Reviewer Comment (2025-06-03): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission. |  | 06/03/2025 |  | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 836779 | xxxxxx | 33468333 | xxxxxx | 05/19/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-05-22): Received Final Title Policy. Exception cleared. | 05/22/2025 |  |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836779 | xxxxxx | 33468351 | xxxxxx | 05/19/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-05-22): Received Final Title Policy. Exception cleared. | 05/22/2025 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836779 | xxxxxx | 33468588 | xxxxxx | 05/19/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) is incomplete |  | Mortgage for subject property does not appear on the credit report. Credit supplement provided. Provide proof of borrower's payment for the most recent 6-months as required per guidelines. |  | Reviewer Comment (2025-05-30): Received most recent 6-months bank statement. Exception cleared.<br>Reviewer Comment (2025-05-20): The same document was provided that was in file at time of review. Please review original condition. Mortgage for subject property does not appear on the credit report. Credit supplement provided. Provide proof of borrower's payment for the most recent 6-months as required per guidelines. | 05/30/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836779 | xxxxxx | 33468858 | xxxxxx | 05/19/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Reviewer Comment (2025-05-15): Client elects to waive |  |  | 05/15/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 836782 | xxxxxx | 33499054 | xxxxxx | 05/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $700.00. Insufficient or no cure was provided to the borrower. (7506) | Additional information needs to be provided to determine if COC is valid. An property being deemed a multi-million dollar property would not increase the appraisal fee. |  | Reviewer Comment (2025-06-05): SitusAMC Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-06-03): SitusAMC received LOE to borrower, Copy of Refund Check, proof of mailing, Corrected CD. FedEx tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br>Reviewer Comment (2025-05-30): SitusAMC received invoice and Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the appraisal fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increased and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. |  | 06/05/2025 |  | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 836782 | xxxxxx | 33499055 | xxxxxx | 05/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $100.00 exceeds tolerance of $53.00. Insufficient or no cure was provided to the borrower. (7520) | Additional information needs to be provided to determine if COC is valid. A valid reason needs to be provided as to why the investor required a refresh. If the program did not change, then this was always an investor guideline requirement and should have been disclosed on the initial LE. |  | Reviewer Comment (2025-05-30): SitusAMC received valid COC document. | 05/30/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 836782 | xxxxxx | 33501024 | xxxxxx | 05/27/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Reviewer Comment (2025-05-26): Client elects to waive |  |  | 05/26/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 836798 | xxxxxx | 33437544 | xxxxxx | 05/15/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  | Reviewer Comment (2025-05-19): Received Credit Report - Gap. Exception cleared. | 05/19/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836798 | xxxxxx | 33437547 | xxxxxx | 05/15/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-13): Client elects to waive |  |  | 05/13/2025 | 2 B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836798 | xxxxxx | 33437759 | xxxxxx | 05/15/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, settlement agent, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-05-16): Received Fraud and OFAC search run on settlement agent, xxxxxx. Exception cleared. | 05/16/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836798 | xxxxxx | 33449609 | xxxxxx | 05/15/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Policy: City does not match the Note and title policy reflects open taxes due xxxxxx that were not paid. |  | Reviewer Comment (2025-05-27): Email provided with update<br>Reviewer Comment (2025-05-23): Tax cert provided for evidence taxes paid, however as previously mentioned on xxxxxx and xxxxxx: Supplement provided on xxxxxx reduced insured coverage. Another supplement was provided, however the incorrect and correct title supplements are dated the same. Evidence of which was provided last is required (i.e. email from title regarding updates).<br>Reviewer Comment (2025-05-21): The incorrect and correct title supplements are dated the same. Evidence of which was provided last is required (i.e. email from title regarding updates). Also, per the original condition and previous comments, evidence the open taxes were paid that were due on xxxxxx was not provided.<br>Reviewer Comment (2025-05-16): Supplement provided corrected city, however reduced the loan amount coverage and does not address if taxes are paid. | 05/27/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836798 | xxxxxx | 33449657 | xxxxxx | 05/15/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Payments can be excluded if there are 10 or fewer monthly payments remaining to pay the debt in full. If the payment is substantial and exceeds 5% of the borrower's qualifying income, the overall transaction should be reviewed to ensure the remaining payments will not impact the borrower's ability to handle the new mortgage payment. Payment for xxxxxx Auto is > 5% of the total income and affects ATR if included in DTI. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-11): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-11): Email to investor: The credit supplement is dated xxxxxx and reflects DLA is xxxxxx which is post-closing. The debt appears to have been satisfied post-closing and is not acceptable. The debt would need to have been satisfied at or prior to closing. Disbursement date would have no bearing on this. Verus can elect to waive this condition with verified compensation factors to keep the debt excluded even though < 10 payments but monthly payment is > 5% of the borrower's qualifying income and would affect DTI if included (guideline requirements). |  |  | 06/11/2025 | 2 C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836844 | xxxxxx | 33427836 | xxxxxx | 05/13/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included. The Seller, xxxxxx and Settlement Agent, xxxxxx, are missing. |  | Reviewer Comment (2025-05-19): Received updated Fraud report. Fraud and OFAC searches run on Seller xxxxxx & Settlement agent, xxxxxx. Exception cleared. | 05/19/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 836844 | xxxxxx | 33437767 | xxxxxx | 05/13/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Per guidelines for the P&L program, confirmation the preparer completed or filed the most recent business tax return is required. The preparer LOE's state they reviewed the tax returns only for both B1 and B2. If the preparer did not file or complete the borrower's most recent tax returns, 2 months business bank statements must be provided for the most recent 2 months reflected on the P&L. Deposits must support 80% of the monthly average sales revenue reported on the P&L. The current business bank statements provided do not support this for B1 and business bank statements were not provided for B2. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-11): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-11): Received CPA letter is dated post-closing. Exception remains.<br>Reviewer Comment (2025-05-20): Received Attestation Form from CPA for borrower, xxxxxx. Provide CPA Letter providing confirmation the preparer completed or filed the most recent business tax return for borrower, xxxxxx. Exception remains. |  |  | 06/11/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 836844 | xxxxxx | 33437778 | xxxxxx | 05/13/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. Supplements only provided updating mortgage tradelines. |  | Reviewer Comment (2025-05-19): Received Gap Credit Report for both borrower's. Exception cleared. | 05/19/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 836860 | xxxxxx | 33501366 | xxxxxx | 05/28/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  | Reviewer Comment (2025-05-28): Client elects to waive |  |  | 05/28/2025 | 2 B | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 836860 | xxxxxx | 33504249 | xxxxxx | 05/28/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Provide the final signed/stamped settlement statement for signed Seller CD for the sale of xxxxxx. Unexecuted Seller CD and estimate settlement statement provided. |  | Reviewer Comment (2025-06-05): Removed proceed assets and added business assets provided. See added condition. Updated 1003/1008 provided adding in the property and PITIA docs in file. Mortgage on credit.<br>Reviewer Comment (2025-06-05): The debt was not added to the ratios for this property. Therefore, if the property was not sold, the updated 1003/1008 will need to be provided adding the debt back in as well as evidence of PITIA for this property. | 06/05/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 836860 | xxxxxx | 33504746 | xxxxxx | 05/28/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Tax preparer referenced only reviewing the 2021 returns for ownership % percentage. The loan closed in 2025. Investor to advise if they are accepting. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-06-25): Client elects to waive with verified compensation factors |  |  | 06/25/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 836860 | xxxxxx | 33527025 | xxxxxx | 05/28/2025 | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | Utilized fraud report as initial application was not provided. |  | Reviewer Comment (2025-05-28): Client elects to waive |  |  | 05/28/2025 | 2 B | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 836860 | xxxxxx | 33586883 | xxxxxx | 06/05/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Provide evidence of % ownership in xxxxxx utilized for assets. Per guidelines, the borrowers on the loan must have 50% ownership of the business and must be the owners of the business account. A letter from a CPA, third party tax preparer (excluding PTIN tax preparers, which are not permitted) or borrower must be obtained verifying that the withdrawal of funds for the transaction will not have a negative impact on the business. The CPA, Enrolled Agent, or Chartered Tax Adviser must attest that they have reviewed the business financial statements or working papers provided by the borrower and attest that they are not affiliated nor associated with the borrower or their business. If a CPA/third party tax preparer letter is not provided, a cash flow analysis of 12 months business bank statements must be completed to determine if the withdrawal of funds from the business is acceptable. LOE from additional owners for access only provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2025-07-02): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-25): Cleared in error. Condition requirements not met. OA provided, however the guidelines require a letter from a CPA, third party tax preparer (excluding PTIN tax preparers, which are not permitted) or borrower must be obtained verifying that the withdrawal of funds for the transaction will not have a negative impact on the business. The CPA, Enrolled Agent, or Chartered Tax Adviser must attest that they have reviewed the business financial statements or working papers provided by the borrower and attest that they are not affiliated nor associated with the borrower or their business. If a CPA/third party tax preparer letter is not provided, a cash flow analysis of 12 months business bank statements must be completed to determine if the withdrawal of funds from the business is acceptable.<br>Reviewer Comment (2025-06-24): Received Operating Agreement. Exception cleared. |  |  | 07/02/2025 | 2 B |  | B | xxxxxx | xxxxxx | Investment | Purchase | C B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 836927 | xxxxxx | 33631831 | xxxxxx | 06/17/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Per the 1003, borrower is a Non-Perm Resident. Provide the unexpired EAD card. |  | Reviewer Comment (2025-06-23): Received Employment Authorization Card and Application for extension of Card. Exception cleared. | 06/23/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836932 | xxxxxx | 33441459 | xxxxxx | 05/15/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Please provide the fully executed final 1003 for both the borrowers. Must have correct time in primary as current the initial app says 0 months/years in property. |  | Reviewer Comment (2025-05-21): Received Final 1003. Exception cleared. | 05/21/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 836932 | xxxxxx | 33442899 | xxxxxx | 05/15/2025 | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. |  | Please provide evidence of Taxpayer Consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-13): Client elects to waive |  |  | 05/13/2025 | 2 B | B | B | xxxxxx | xxxxxx | Investment | Purchase | D B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 836932 | xxxxxx | 33449160 | xxxxxx | 05/15/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide both the business purpose cert and occupancy cert. |  | Reviewer Comment (2025-06-04): Received business purpose certification. Exception cleared.<br>Reviewer Comment (2025-05-20): Occupancy Cert provided. Still pending receipt of BP cert. | 06/04/2025 |  |  | 1 C A | C | A D | xxxxxx | xxxxxx | Investment | Purchase | D B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 836932 | xxxxxx | 33449340 | xxxxxx | 05/15/2025 | Compliance | Modification | Loss Mitigation Document Check | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: 1003 Initial - Lender's not provided |  | Initial 1003 not provided for xxxxxx. |  | Reviewer Comment (2025-05-13): Client elects to waive |  |  | 05/13/2025 | 2 B | B | B | xxxxxx | xxxxxx | Investment | Purchase | D B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 836940 | xxxxxx | 33469592 | xxxxxx | 05/20/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 10.04051% or Final Disclosure APR of 10.11200% is equal to or greater than the threshold of APOR 6.74% + 1.5%, or 8.24000%. Non-Compliant Higher Priced Mortgage Loan. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  | Reviewer Comment (2025-05-28): Delivery provided<br>Reviewer Comment (2025-05-22): The document provided is not acceptable. Disclosure is dated xxxxxx and signed on xxxxxx Appraisal was not completed until xxxxxx An appraisal cannot be delivered prior to its completion. | 05/28/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836940 | xxxxxx | 33469593 | xxxxxx | 05/20/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2025-05-28): Delivery provided<br>Reviewer Comment (2025-05-22): The document provided is not acceptable. Disclosure is dated xxxxxx and signed on xxxxxx Appraisal was not completed until xxxxxx An appraisal cannot be delivered prior to its completion. | 05/28/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836940 | xxxxxx | 33469597 | xxxxxx | 05/20/2025 | Compliance | Compliance | State Compliance | State HPML | xxxxxx Subprime Home Loan Threshold Fixed Non-Compliant | xxxxxx Subprime Loan: APR on subject loan of 10.04051% or Final Disclosure APR of 10.11200% is in excess of allowable threshold of Prime Mortgage Market Rate 6.81000 + 1.75%, or 8.56000%. Non-Compliant SubPrime Loan. |  |  | Reviewer Comment (2025-05-19): Client elects to waive |  |  | 05/19/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | (Limited Use Bona Fide Errors - Compliance and Client Approval Required) With no time limit for which a cure may be made, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the subprime home loan threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836940 | xxxxxx | 33469953 | xxxxxx | 05/20/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-05-19): Client elects to waive |  |  | 05/19/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836940 | xxxxxx | 33469954 | xxxxxx | 05/20/2025 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) xxxxxx Subprime Loan (Counseling Disclosure Not Provided) | xxxxxx Subprime Loan: Counseling Disclosure not provided to borrower. |  |  | Reviewer Comment (2025-05-19): Client elects to waive |  |  | 05/19/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No obvious cure C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836940 | xxxxxx | 33481555 | xxxxxx | 05/20/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | 1 account for 4/2024 was utilized from #xxxxxx to make up the 12 months bank statements in file. Guidelines do not say this is allowed. There is no evidence account was closed and new account #xxxxxx opened (which makes up 11 months of bank statements) or why the change in statements provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-05-30): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-21): Please note, it was not indicated they cannot have multiple accounts, however multiple accounts cannot be utilized for qualifying income per guidelines. The bank statements we have in file for #xxxxxx are from xxxxxx to xxxxxx which is 11 months. Provide either the xxxxxx xxxxxx xxxxxx bank statement or xxxxxx xxxxxx xxxxxx for account #xxxxxx. |  |  | 05/30/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837022 | xxxxxx | 33600404 | xxxxxx | 06/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | Evidence of earlier receipt not provided |  | Reviewer Comment (2025-06-16): SitusAMC received xxxxxx Initial CD, 3 business days prior to the consummation. | 06/16/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837022 | xxxxxx | 33600405 | xxxxxx | 06/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $3,847.88 exceeds tolerance of $3,320.00. Insufficient or no cure was provided to the borrower. (7200) | The Loan Discount Points Fee increased from $3,320.00 on the initial Loan Estimate to $3,847.88 on the Final Closing Disclosure without a valid change of circumstance. Initial CD is missing in the file. |  | Reviewer Comment (2025-06-16): SitusAMC received updated CD and valid COC. | 06/16/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 837022 | xxxxxx | 33600406 | xxxxxx | 06/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $4,150.00 exceeds tolerance of $4,000.00. Insufficient or no cure was provided to the borrower. (8304) | The Transfer Tax Fee increased from $4,000.00 on the initial Loan Estimate to $4,150.00 on the Final Closing Disclosure without a valid change of circumstance. Initial CD is missing in the file. |  | Reviewer Comment (2025-06-16): SitusAMC: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception. | 06/16/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 837022 | xxxxxx | 33600580 | xxxxxx | 06/11/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-06-16): Received E-Sign Consent Agreement. Exception cleared. | 06/16/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837022 | xxxxxx | 33660885 | xxxxxx | 06/16/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $4,150.00 exceeds tolerance of $4,000.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) |  |  | Reviewer Comment (2025-06-16): Sufficient Cure Provided At Closing |  | 06/16/2025 |  | 1 A |  | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 837035 | xxxxxx | 33454459 | xxxxxx | 05/19/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | HOA project is involved in litigation. |  | Per the HOA Questionairre Yes to litigation | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-16): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-12): The HOA cert reflects Yes to litigation. The attorney email states this HOA was not in litigation xxxxxx , the next email states still in litigation and what for xxxxxx and the next email states says litigation was settled xxxxxx HOA is plaintiff. Building owners neglect. Litigation is not against subject unit/building and not the borrower. Investor to advise if they are accepting any of this to support the litigation is settled. It should be noted it is not relevant what the litigation is for which is an RA requirement. Assigned to investor. |  |  | 06/16/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837035 | xxxxxx | 33468523 | xxxxxx | 05/19/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | The re-issue date on the original credit report did not update any of the debts. |  | Reviewer Comment (2025-05-29): Received Credit Gap report. Exception cleared. | 05/29/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837035 | xxxxxx | 33468546 | xxxxxx | 05/19/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Appraisal reflects xxxxxx units, xxxxxx units rented and xxxxxx units OO. Per HOA cert, there are xxxxxx units, xxxxxx units rented and xxxxxx units OO. Provide the updated appraisal. |  | Reviewer Comment (2025-05-21): Updated appraisal provided | 05/21/2025 |  |  | 1 D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837035 | xxxxxx | 33468642 | xxxxxx | 05/19/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | HO6 and Borrower's Independent Flood Insurance: City does not match the Note |  | Reviewer Comment (2025-05-26): Updated policies provided | 05/26/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837061 | xxxxxx | 33490876 | xxxxxx | 05/23/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  |  |  | Reviewer Comment (2025-06-05): Senior lien Note provided. Investor confirmed does not need to be signed.<br>Reviewer Comment (2025-06-04): Received Senior Lien Note is not signed and dated by borrower. Exception remains.<br>Reviewer Comment (2025-06-02): Cleared in error. The Note provided is for the lien being paid through closing and not the senior mortgage lien with a > $1MIL balance.<br>Reviewer Comment (2025-06-02): Received Note for the Senior Lien; however, it is not signed by the Borrower's. Exception remains.<br>Reviewer Comment (2025-06-02): Received Note for the Senior Lien. Exception cleared.<br>Reviewer Comment (2025-05-30): Cleared in error. The Note provided is for the lien being paid through closing and not the senior mortgage lien with a > $1MIL balance.<br>Reviewer Comment (2025-05-30): Received senior lien note, exception cleared. | 06/05/2025 |  |  | 1 D A | N/A | N/A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837061 | xxxxxx | 33505595 | xxxxxx | 05/23/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $35.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103) | Additional information is required to determine if COC is valid. The COC just states upon further review an appraisal re-inspection is required. |  | Reviewer Comment (2025-06-04): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-05-30): SitusAMC: the Appraisal Re-inspection fee in the amount of $120 added on initial CD dated xxxxxx and was not disclosed any of the LE's. Also, provided corresponding COC dated xxxxxx does not provide sufficient information on what impacts and why the fee was added. Please provide documentation of the reason for the appraisal re-inspection fee added What information was received that required the fee and when was that information received or Cure is required. |  | 06/04/2025 |  | 2 C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 837099 | xxxxxx | 33492541 | xxxxxx | 05/23/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $600.00. Insufficient or no cure was provided to the borrower. (7506) | The COC provided reflects fee increased due to complexity, however additional information is required to determine if COC is valid. |  | Reviewer Comment (2025-07-03): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-07-01): SitusAMC received PCCD, LOE and copy of refund check. UPS tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br>Reviewer Comment (2025-06-27): SitusAMC received LOE to borrower, Copy of Refund Check and Corrected CD. Missing proof of mailing. Proof of mailing required to cure.<br>Reviewer Comment (2025-06-25): SitusAMC received COC dated xxxxxx the reason provided is not sufficient. Further information regarding the complexity of property is required to validate the change or cure would be due to borrower.<br>Reviewer Comment (2025-06-11): SitusAMC received rebuttal. However, we would require supporting document i.e. Rent schedule in order to clear the exception.<br>Reviewer Comment (2025-06-06): SitusAMC received rebuttal and Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the appraisal fee was increased and what was complex about the property. In order to determine if the changed circumstance is valid more information is necessary on reason fee increased and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. |  | 07/03/2025 |  | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 837099 | xxxxxx | 33496402 | xxxxxx | 05/23/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $1,495.00 exceeds tolerance of $995.00. Insufficient or no cure was provided to the borrower. (73196) | The COC reflects fee increased due to program change, however there is no evidence of property change from initial to re-disclosed LE. Additional information is required to determine if COC is valid. |  | Reviewer Comment (2025-06-06): SitusAMC received rebuttal and valid COC suffice | 06/06/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 837099 | xxxxxx | 33496403 | xxxxxx | 05/23/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $123.60 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75106) | The COC reflects fee was added due to program change, however there is no evidence of property change from initial to re-disclosed LE. Additional information is required to determine if COC is valid. |  | Reviewer Comment (2025-06-06): SitusAMC received rebuttal and valid COC suffice | 06/06/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 837099 | xxxxxx | 33504444 | xxxxxx | 05/23/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 82.99999% exceeds Guideline loan to value percentage of 80.00000%. | An updated appraisal was property changing the location from xxxxxx, however per guidelines,a property is still considered xxxxxx if the following two (2) conditions exist: The property is located on an xxxxxx, and two of the three comparable properties are xxxxxx from the subject property. Both exist on the property (xxxxxx). Max for xxxxxx property is 80%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-29): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-27): The guidelines do not state if there are over a certain amount of comparables that this can be re-considered. Condition is valid and exception is required. |  |  | 05/29/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837099 | xxxxxx | 33504481 | xxxxxx | 05/23/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $8,375.80 exceeds tolerance of $7,799.00. Insufficient or no cure was provided to the borrower. (8304) | The COC reflects fee increased due to program change, however there is no evidence of property change from initial to re-disclosed LE. Additional information is required to determine if COC is valid. |  | Reviewer Comment (2025-06-06): SitusAMC received rebuttal and valid COC suffice | 06/06/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 837109 | xxxxxx | 33426107 | xxxxxx | 05/13/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xxxxxx , Most Recent Tax Return End Date xxxxxx , Tax Return Due Date xxxxxx . (xxxxxx) | A county disaster relief is provided in lieu of tax return filing extension. Borrower can file the tax returns until xxxxxx . |  | Reviewer Comment (2025-05-09): Client elects to waive |  |  | 05/09/2025 | 2 B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837109 | xxxxxx | 33426108 | xxxxxx | 05/13/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xxxxxx , Most Recent Tax Return End Date xxxxxx , Tax Return Due Date xxxxxx . (xxxxxx) | A county disaster relief is provided in lieu of tax return filing extension. Borrower can file the tax returns until xxxxxx . |  | Reviewer Comment (2025-05-09): Client elects to waive |  |  | 05/09/2025 | 2 B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837109 | xxxxxx | 33426110 | xxxxxx | 05/13/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-09): Client elects to waive |  |  | 05/09/2025 | 2 B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837129 | xxxxxx | 33731507 | xxxxxx | 06/25/2025 | Compliance | Compliance | State Compliance | Misc. State Level | xxxxxx Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice) | xxxxxx Mortgage Lender and Broker Act: Mortgage broker also acting as agent has received compensation from the borrower without providing a written agreement to the borrower. |  |  | Reviewer Comment (2025-06-24): Client elects to waive |  |  | 06/24/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837129 | xxxxxx | 33731508 | xxxxxx | 06/25/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $45.25 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | COC is not valid. A decrease in loan amount would not add or increased discount point fees. |  | Reviewer Comment (2025-06-30): SitusAMC received valid COC document | 06/30/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 837154 | xxxxxx | 33520714 | xxxxxx | 05/30/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $13,096.00 exceeds tolerance of $12,796.00. Sufficient or excess cure was provided to the borrower at Closing. (7200) | Loan Discount Points was last disclosed as $12,796.00 on the Loan Estimate, but was disclosed as $13,096.00 on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $300.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  | Reviewer Comment (2025-05-27): Sufficient Cure Provided At Closing |  | 05/27/2025 |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | A | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837154 | xxxxxx | 33541484 | xxxxxx | 05/30/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Per the LOE provided, borrower has been renting for 6 months at xxxxxx for 6 months until June 2025. The VOR must be provided for this property. If from a private landlord, cancelled checks/bank statements will also be required. |  | Reviewer Comment (2025-06-18): Received VOR for xxxxxx for 6 months until June 2025. Exception cleared. | 06/18/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837184 | xxxxxx | 33435559 | xxxxxx | 05/15/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  | Reviewer Comment (2025-05-20): Received Articles of Organization/Formation. Exception cleared. | 05/20/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837184 | xxxxxx | 33435560 | xxxxxx | 05/15/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2025-05-20): Received Certificate of Good Standing. Exception cleared. | 05/20/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837184 | xxxxxx | 33435562 | xxxxxx | 05/15/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  | Reviewer Comment (2025-05-20): Received Operating Agreement, borrower is 100% owner of business. Exception cleared. | 05/20/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837184 | xxxxxx | 33435563 | xxxxxx | 05/15/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  | Reviewer Comment (2025-05-20): Received EIN. Exception cleared. | 05/20/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837184 | xxxxxx | 33435565 | xxxxxx | 05/15/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  | Reviewer Comment (2025-05-20): Received Operating Agreement. Exception cleared. | 05/20/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837184 | xxxxxx | 33435569 | xxxxxx | 05/15/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on Property seller, xxxxxx. |  | Reviewer Comment (2025-05-22): Received updated Fraud Report. Fraud and OFAC search run on the seller. Exception cleared. | 05/22/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837184 | xxxxxx | 33435866 | xxxxxx | 05/15/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | STR documented with 1007. Per guidelines, Short-term rental (STR) analysis form or 1007/1025 may be used. The analysis must include the following which was not provided:<br> ▪ Provide the source of the data used to complete the STR analysis.<br> ▪ Include daily rental rate and occupancy percentage.<br> ▪ Factor seasonality and vacancy into the analysis. |  | Reviewer Comment (2025-05-27): Updated 1007 and appraisal provided<br>Reviewer Comment (2025-05-20): The same 1007 was provided that was in file at time of review. Please review the original condition. The analysis must include the following which was not provided: ▪ Provide the source of the data used to complete the STR analysis. ▪ Include daily rental rate and occupancy percentage. ▪ Factor seasonality and vacancy into the analysis. | 05/27/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837216 | xxxxxx | 33599655 | xxxxxx | 05/28/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  | Reviewer Comment (2025-06-02): Title Supplement received & coverage amount updated. Exception cleared. | 06/02/2025 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | B A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837305 | xxxxxx | 33419642 | xxxxxx | 05/12/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-xxxxxx Citizen Status not provided |  | Permanent Resident Alien |  | Reviewer Comment (2025-05-20): Perm resident card provided | 05/20/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837305 | xxxxxx | 33419644 | xxxxxx | 05/12/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  | Reviewer Comment (2025-05-14): Received filed Articles of Organization. Exception cleared.<br>Reviewer Comment (2025-05-13): The condition is not requesting the operating agreement. The guidelines require the filed Articles of Org and must be provided. | 05/14/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837305 | xxxxxx | 33422513 | xxxxxx | 05/12/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2025-05-13): COGS provided | 05/13/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837339 | xxxxxx | 33447237 | xxxxxx | 05/19/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | The lease agreement provided for the subject property is not signed/dated by tenants or landlord. |  | Reviewer Comment (2025-05-20): Received updated Lease Agreement signed & dated by tenants and landlord. Exception cleared. | 05/20/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837339 | xxxxxx | 33447582 | xxxxxx | 05/19/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, settlement agents, xxxxxx, were not included in the report. |  | Reviewer Comment (2025-05-21): Received updated party search including the missing participants. Exception cleared. | 05/21/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837339 | xxxxxx | 33458818 | xxxxxx | 05/19/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | SFD minimum square footage is xxxxxx per guidelines. Property is xxxxxx. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-20): Client elects to waive with verified compensation factors |  |  | 05/20/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837363 | xxxxxx | 33476757 | xxxxxx | 05/22/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-05-21): Client elects to waive |  |  | 05/21/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837363 | xxxxxx | 33476764 | xxxxxx | 05/22/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $650.00 exceeds tolerance of $595.00. Insufficient or no cure was provided to the borrower. (7506) | The Appraisal Fee increased from $595.00 on the initial Loan Estimate to $650.00 on the initial Closing Disclosure. Insufficient or no cure was provided to the borrower. |  | Reviewer Comment (2025-06-11): SitusAMC received PCCD, LOE and disbursement ledger.<br>Reviewer Comment (2025-06-09): SitusAMC received Disbursement ledger but LOE to borrower for changes made on PCCD dated xxxxxx is missing. LOE is required to cure.<br>Reviewer Comment (2025-06-04): SitusAMC: Borrower signed CD is acceptable, but along with we required LOX and Final Settlement statement to borrower that accompanied the xxxxxx PCCD to finalize. However, In lieu of the certified final settlement statement, a third-party document, such as a disbursement or balance ledger that has been signed stamped by settlement agent can be used to confirm the Lender credit applied the same on PCCD to reevaluate this exception or else provide LOX, Copy of refund check of $55 and mailing label to cure this exception.<br>Reviewer Comment (2025-05-29): SitusAMC received corrected PCCD with cure however, true & certified copy of final settlement statement is still missing. Please provide final SS for remediations.<br>Reviewer Comment (2025-05-28): SitusAMC received rebuttal, however final CD doesn't show cure amount on inner column of sec J. If the credit was provided for cure, please provide corrected PCCD and LOE updating cure amount on inner column of sec J and also provide true & certified copy of final settlement statement. |  | 06/11/2025 |  | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837363 | xxxxxx | 33479907 | xxxxxx | 05/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, signor for seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-05-23): Received updated Fraud Report. Fraud and OFAC search run on the seller. Exception cleared. | 05/23/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837367 | xxxxxx | 33528480 | xxxxxx | 06/03/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on authorized signor of seller, xxxxxx. |  | Reviewer Comment (2025-06-05): Received updated Fraud Report. Fraud and OFAC searches run on Settlement Agent xxxxxx & Seller xxxxxx. Exception cleared. | 06/05/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837367 | xxxxxx | 33553718 | xxxxxx | 06/03/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx P&L Statement | Most recent Calendar Year end P&L and current Year-to-date P&L through most recent month end, prior to application. P&L through 2.28.2025. Application date is xxxxxx 3.1.2025-3.31.2025 P&L required. |  | Reviewer Comment (2025-06-06): Received recent month end P&L, prior to application. Exception cleared. | 06/06/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837370 | xxxxxx | 33529588 | xxxxxx | 06/03/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-06-02): Client elects to waive |  |  | 06/02/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837370 | xxxxxx | 33529729 | xxxxxx | 06/03/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 3.98 is less than Guideline PITIA months reserves of 4.00. | POCB paid invoice for appraisal was not provided. |  | Reviewer Comment (2025-06-04): POCB paid invoice provided along with final stamped closing statement that matches PC-CD which reflects a reduction in cash to close. | 06/04/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837370 | xxxxxx | 33529756 | xxxxxx | 06/03/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to insufficient reserves. |  | Reviewer Comment (2025-06-04): POCB paid invoice provided along with final stamped closing statement that matches PC-CD which reflects a reduction in cash to close. | 06/04/2025 |  |  | 1 B A C | C | A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837370 | xxxxxx | 33529757 | xxxxxx | 06/03/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to insufficient reserves. |  | Reviewer Comment (2025-06-04): POCB paid invoice provided along with final stamped closing statement that matches PC-CD which reflects a reduction in cash to close. | 06/04/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837378 | xxxxxx | 33595095 | xxxxxx | 06/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Update Fee. Fee Amount of $125.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7543) | Cure nor valid COC provided |  | Reviewer Comment (2025-06-23): SitusAMC received valid COC dated xxxxxx  | 06/23/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 837400 | xxxxxx | 33521877 | xxxxxx | 06/02/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 3.41 is less than Guideline PITIA months reserves of 4.00. |  |  | Reviewer Comment (2025-06-04): Additional asset statements provided | 06/04/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837400 | xxxxxx | 33521882 | xxxxxx | 06/02/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Insufficient reserves. |  | Reviewer Comment (2025-06-04): Additional asset statements provided | 06/04/2025 |  |  | 1 B A C | C | A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837400 | xxxxxx | 33521883 | xxxxxx | 06/02/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Insufficient reserves. |  | Reviewer Comment (2025-06-04): Additional asset statements provided | 06/04/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837404 | xxxxxx | 33556172 | xxxxxx | 06/06/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xxxxxx , prior to three (3) business days from transaction date of xxxxxx . | The RTC expiration date is xxxxxx and the disbursement date on the Final CD is xxxxxx If the disbursement date is incorrect, provide the final stamped settlement statement to support. |  | Reviewer Comment (2025-06-10): Final stamped settlement statement provided with updated disbursement date. Rescission met.<br>Reviewer Comment (2025-06-09): A PC-CD does not clear this condition as it is a lender generated document. Please review the original condition. If the disbursement date is incorrect, provide the final stamped settlement statement to support. | 06/10/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837404 | xxxxxx | 33556608 | xxxxxx | 06/06/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Reviewer Comment (2025-06-04): Client elects to waive |  |  | 06/04/2025 | 2 B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837404 | xxxxxx | 33575988 | xxxxxx | 06/06/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title reflects under item #11, a lien for unpaid rubbish charges that were not paid through closing. |  | Reviewer Comment (2025-06-10): Supplement provided indicating item 11 will not appear on FTP. | 06/10/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837404 | xxxxxx | 33576021 | xxxxxx | 06/06/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx VVOE - Employment Only | The VVOE in file is dated post-close and the paystub is dated > 30 days prior to closing. Per guidelines, a VVOE dated within10 days prior to closing or a paystub dated within 30 days prior to closing is required. |  | Reviewer Comment (2025-06-12): Received VVOE dated within 10 days prior to closing. Exception cleared.<br>Reviewer Comment (2025-06-10): The VVOE is dated post-close and not acceptable. Please review the original condition comments. The VVOE in file is dated post-close and the paystub is dated > 30 days prior to closing. Per guidelines, a VVOE dated within10 days prior to closing or a paystub dated within 30 days prior to closing is required. | 06/12/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837404 | xxxxxx | 33576047 | xxxxxx | 06/06/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The VVOE in file is dated post-close and the paystub is dated > 30 days prior to closing. Per guidelines, a VVOE dated within10 days prior to closing or a paystub dated within 30 days prior to closing is required. |  | Reviewer Comment (2025-06-12): Prior to closing VVOE provided<br>Reviewer Comment (2025-06-10): The VVOE is dated post-close and not acceptable. Please review the original condition comments. The VVOE in file is dated post-close and the paystub is dated > 30 days prior to closing. Per guidelines, a VVOE dated within10 days prior to closing or a paystub dated within 30 days prior to closing is required. | 06/12/2025 |  |  | 1 B A C | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837404 | xxxxxx | 33576048 | xxxxxx | 06/06/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. | Non-borrower RTC not provided |  | Reviewer Comment (2025-06-09): RTC provided | 06/09/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837404 | xxxxxx | 33576049 | xxxxxx | 06/06/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The VVOE in file is dated post-close and the paystub is dated > 30 days prior to closing. Per guidelines, a VVOE dated within10 days prior to closing or a paystub dated within 30 days prior to closing is required. |  | Reviewer Comment (2025-06-12): Prior to closing VVOE provided<br>Reviewer Comment (2025-06-10): The VVOE is dated post-close and not acceptable. Please review the original condition comments. The VVOE in file is dated post-close and the paystub is dated > 30 days prior to closing. Per guidelines, a VVOE dated within10 days prior to closing or a paystub dated within 30 days prior to closing is required. | 06/12/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837466 | xxxxxx | 33506522 | xxxxxx | 05/23/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The preparer stated they reviewed the borrower's business tax returns for 2 years. Per guidelines, the preparer must attest that they have audited the business financial statements or reviewed working papers provided by the borrower. The documentation and records created during the tax return preparation process are considered working papers, which the prepare does not attest to reviewing. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. | Reviewer Comment (2025-05-30): Client elects to waive with verified compensation factors |  |  | 05/30/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837466 | xxxxxx | 33506597 | xxxxxx | 05/23/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | ISAOA is missing |  | Reviewer Comment (2025-06-03): Updated HOI provided with endorsement dated prior to closing. | 06/03/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837484 | xxxxxx | 33498887 | xxxxxx | 05/28/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-05-30): Received 1008. Exception cleared. | 05/30/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837484 | xxxxxx | 33501378 | xxxxxx | 05/28/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional 3-Day Waiting Period Timing Test – Regular Transaction | TILA-RESPA Integrated Disclosure – Most recent Closing Disclosure received at least 3 days prior to closing dated xxxxxx disclosed an inaccurate APR of 9.02300% compared to the actual APR at consummation of 9.42690% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. | 1026.19(f)(1)(i) and (ii) require that the consumer receives accurate disclosures with the actual terms of the transaction three (3) business days prior to consummation. If the APR disclosed on the initial CD becomes inaccurate as defined under 1026.22, revised disclosures with accurate APR must be disclosed and a new 3-day waiting period prior to consummation provided. The APR on the most recent CD received 3 days prior to consummation (9.023%) changed more than the 0.125% threshold compared to the APR at consummation (9.4269%) and a revised disclosure with accurate APR was not received by the consumer at least 3 business days prior to consummation. |  | Reviewer Comment (2025-06-04): SitusAMC received interim CD.<br>Reviewer Comment (2025-05-27): 1026.19(f)(1)(i) and (ii) require that the consumer receives accurate disclosures with the actual terms of the transaction three (3) business days prior to consummation. If the APR disclosed on the initial CD becomes inaccurate as defined under 1026.22, revised disclosures with accurate APR must be disclosed and a new 3-day waiting period prior to consummation provided. The APR on the most recent CD received 3 days prior to consummation (9.023%) changed more than the 0.125% threshold compared to the APR at consummation (9.4269%) and a revised disclosure with accurate APR was not received by the consumer at least 3 business days prior to consummation. | 06/04/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837484 | xxxxxx | 33501379 | xxxxxx | 05/28/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xxxxxx contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation |  |  | Reviewer Comment (2025-06-04): SitusAMC received CD dated xxxxxx . | 06/04/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837484 | xxxxxx | 33501380 | xxxxxx | 05/28/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $673.00 exceeds tolerance of $495.00 plus 10% or $544.50. Insufficient or no cure was provided to the borrower. xxxxxx | Cure nor valid COC provided |  | Reviewer Comment (2025-06-04): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. | 06/04/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837484 | xxxxxx | 33501537 | xxxxxx | 05/28/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $2,930.00 exceeds tolerance of $1,820.00. Insufficient or no cure was provided to the borrower. (7200) | Cure nor valid COC provided |  | Reviewer Comment (2025-06-04): SitusAMC received COC. | 06/04/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837484 | xxxxxx | 33501538 | xxxxxx | 05/28/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $2,930.00 exceeds tolerance of $2,060.00. Insufficient or no cure was provided to the borrower. (7325) | Cure nor valid COC provided |  | Reviewer Comment (2025-06-04): SitusAMC received COC. | 06/04/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837484 | xxxxxx | 33501539 | xxxxxx | 05/28/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $850.00 exceeds tolerance of $65.00. Insufficient or no cure was provided to the borrower. (7506) | Cure nor valid COC provided |  | Reviewer Comment (2025-06-04): SitusAMC received COC dated xxxxxx . | 06/04/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837484 | xxxxxx | 33501540 | xxxxxx | 05/28/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for AVM Fee. Fee Amount of $68.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7514) | Cure nor valid COC provided |  | Reviewer Comment (2025-06-04): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. |  | 06/04/2025 |  | 2 C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837484 | xxxxxx | 33501541 | xxxxxx | 05/28/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $92.00 exceeds tolerance of $59.00. Insufficient or no cure was provided to the borrower. (7520) | Cure nor valid COC provided |  | Reviewer Comment (2025-06-04): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. |  | 06/04/2025 |  | 2 C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837484 | xxxxxx | 33501562 | xxxxxx | 05/28/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-27): Client elects to waive |  |  | 05/27/2025 | 2 B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837484 | xxxxxx | 33571618 | xxxxxx | 06/04/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $673.00 exceeds tolerance of $495.00 plus 10% or $544.50. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx |  |  | Reviewer Comment (2025-06-04): Sufficient Cure Provided At Closing |  | 06/04/2025 |  | 1 A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837484 | xxxxxx | 33571619 | xxxxxx | 06/04/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for AVM Fee. Fee Amount of $68.50 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7514) |  |  | Reviewer Comment (2025-06-04): Sufficient Cure Provided At Closing |  | 06/04/2025 |  | 1 A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837484 | xxxxxx | 33571620 | xxxxxx | 06/04/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $92.00 exceeds tolerance of $59.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  | Reviewer Comment (2025-06-04): Sufficient Cure Provided At Closing |  | 06/04/2025 |  | 1 A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837486 | xxxxxx | 33527348 | xxxxxx | 06/02/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Per guidelines, a paystub dated within 30 days prior to closing or a VVOE dated within 10 days prior to closing is required. Paystubs are > 30 days old and VVOE was not provided. |  | Reviewer Comment (2025-06-12): VVOE's provided from the union stating borrowers are still actively working. Employer letters in file from union stating where borrower's are working. | 06/12/2025 |  |  | 1 B A C | C | A B | xxxxxx | xxxxxx | Second Home | Purchase | Lender to provide updated ATR/QM status C B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837486 | xxxxxx | 33527349 | xxxxxx | 06/02/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (xxxxxx) | Per guidelines, a paystub dated within 30 days prior to closing or a VVOE dated within 10 days prior to closing is required. Paystubs are > 30 days old and VVOE was not provided. |  | Reviewer Comment (2025-06-12): VVOE's provided from the union stating borrowers are still actively working. Employer letters in file from union stating where borrower's are working. | 06/12/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837486 | xxxxxx | 33527350 | xxxxxx | 06/02/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (xxxxxx) | Per guidelines, a paystub dated within 30 days prior to closing or a VVOE dated within 10 days prior to closing is required. Paystubs are > 30 days old and VVOE was not provided. |  | Reviewer Comment (2025-06-12): VVOE's provided from the union stating borrowers are still actively working. Employer letters in file from union stating where borrower's are working. | 06/12/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837486 | xxxxxx | 33527351 | xxxxxx | 06/02/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (xxxxxx) | Per guidelines, a paystub dated within 30 days prior to closing or a VVOE dated within 10 days prior to closing is required. Paystubs are > 30 days old and VVOE was not provided. |  | Reviewer Comment (2025-06-12): VVOE's provided from the union stating borrowers are still actively working. Employer letters in file from union stating where borrower's are working. | 06/12/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837486 | xxxxxx | 33527352 | xxxxxx | 06/02/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Per guidelines, a paystub dated within 30 days prior to closing or a VVOE dated within 10 days prior to closing is required. Paystubs are > 30 days old and VVOE was not provided. |  | Reviewer Comment (2025-06-12): VVOE's provided from the union stating borrowers are still actively working. Employer letters in file from union stating where borrower's are working. | 06/12/2025 |  |  | 1 A | A | A | xxxxxx | xxxxxx | Second Home | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837486 | xxxxxx | 33527426 | xxxxxx | 06/02/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2025-06-09): Received Credit Report - Gap for all 3 borrowers. Exception cleared. | 06/09/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837486 | xxxxxx | 33527442 | xxxxxx | 06/02/2025 | Credit | Employment | Miscellaneous | Employment | The verification of employment was not obtained within 10 days of the note date. | Borrower: xxxxxx . // Employment Type: Employment / Income Type: Wages / Start date: xxxxxx, Borrower: xxxxxx // Employment Type: Employment / Income Type: Wages / Start date: xxxxxx | Per guidelines, a paystub dated within 30 days prior to closing or a VVOE dated within 10 days prior to closing is required. Paystubs are > 30 days old and VVOE was not provided. |  | Reviewer Comment (2025-06-12): VVOE's provided from the union stating borrowers are still actively working. Employer letters in file from union stating where borrower's are working. | 06/12/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837486 | xxxxxx | 33527488 | xxxxxx | 06/02/2025 | Credit | Employment | Miscellaneous | Employment | The verification of employment was not obtained within 10 days of the note date. | Borrower: xxxxxx , IV // Employment Type: Employment / Income Type: Wages / Start date: xxxxxx | Per guidelines, a paystub dated within 30 days prior to closing or a VVOE dated within 10 days prior to closing is required. Paystubs are > 30 days old and VVOE was not provided. |  | Reviewer Comment (2025-06-12): VVOE's provided from the union stating borrowers are still actively working. Employer letters in file from union stating where borrower's are working. | 06/12/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837486 | xxxxxx | 33527612 | xxxxxx | 06/02/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | 3 borrowers siblings. One sibling owns his own home and the other 2 live rent free with family. Per guidelines, FTHB limited to primary home transactions. Transaction is a Second Home. Investor exception in file, however comp factors are incorrect. Reserves are not 6 months or more above the required. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-04): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-03): Minimum reserves for FTHB is 6 months. The borrower has 11.38. The borrowers do not have > 6 months or more above the requirement. |  |  | 06/04/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Second Home | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837486 | xxxxxx | 33527647 | xxxxxx | 06/02/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Wages / Start date: xxxxxx | Per guidelines, a paystub dated within 30 days prior to closing or a VVOE dated within 10 days prior to closing is required. Paystubs are > 30 days old and VVOE was not provided. |  | Reviewer Comment (2025-06-11): Received VVOE dated within 10 days prior to closing. Exception cleared. | 06/11/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837486 | xxxxxx | 33527648 | xxxxxx | 06/02/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | Borrower: xxxxxx . // Employment Type: Employment / Income Type: Wages / Start date: xxxxxx | Per guidelines, a paystub dated within 30 days prior to closing or a VVOE dated within 10 days prior to closing is required. Paystubs are > 30 days old and VVOE was not provided. |  | Reviewer Comment (2025-06-11): Received VVOE dated within 10 days prior to closing. Exception cleared. | 06/11/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837486 | xxxxxx | 33527649 | xxxxxx | 06/02/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | Borrower: xxxxxx , IV // Employment Type: Employment / Income Type: Wages / Start date: xxxxxx | Per guidelines, a paystub dated within 30 days prior to closing or a VVOE dated within 10 days prior to closing is required. Paystubs are > 30 days old and VVOE was not provided. |  | Reviewer Comment (2025-06-12): Received VVOE dated within 30 days prior to closing. Exception cleared.<br>Reviewer Comment (2025-06-11): Received VVOE for xxxxxx. Provide VVOE for employment at xxxxxx. Exception remains.<br>Reviewer Comment (2025-06-09): Received VVOE however date is not provided on the document. Per guidelines, a paystub dated within 30 days prior to closing or a VVOE dated within 10 days prior to closing is required. Exception remains. | 06/12/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837523 | xxxxxx | 33531811 | xxxxxx | 06/03/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | Title policy not provided |  | Reviewer Comment (2025-06-06): Title commitment provided | 06/06/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837589 | xxxxxx | 33577443 | xxxxxx | 06/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | Evidence of earlier receipt not provided. |  | Reviewer Comment (2025-06-16): SitusAMC Received CD dated xxxxxx . | 06/16/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837589 | xxxxxx | 33659817 | xxxxxx | 06/16/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial xxxxxx) | SitusAMC Received CD dated xxxxxx signed by borrower on xxxxxx . Consummation date is xxxxxx and file is missing copy of CD provided to borrower 3 days prior to closing. Provide copy of CD along with evidence provided to borrower 3 days prior to closing. |  | Reviewer Comment (2025-06-30): SitusAMC received initial CD.<br>Reviewer Comment (2025-06-26): SitusAMC received xxxxxx CD with receipt date on xxxxxx Consummation date is xxxxxx . xxxxxx is day 1, xxxxxx is day 2. Please provide documentation if the CD was received xxxxxx (day 3) or earlier for review. | 06/30/2025 |  |  | 1 A |  | A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837653 | xxxxxx | 33511568 | xxxxxx | 05/30/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-06-02): Received Title Supplement Report. Exception cleared. | 06/02/2025 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837653 | xxxxxx | 33511676 | xxxxxx | 05/30/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on authorized signor of the selling entity, xxxxxx. |  | Reviewer Comment (2025-06-02): Received Fraud and OFAC searches run on authorized signor of the selling entity, xxxxxx. Exception cleared. | 06/02/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837663 | xxxxxx | 33530439 | xxxxxx | 06/03/2025 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | The provided Gift Letter provided reflects gift amount of $134,000.00; however, there is wire deposit of $138,000.00 directly deposit to Escrow Company. Kindly provide an updated Gift letter reflecting amount of $138,000.00. |  | Reviewer Comment (2025-06-09): Received updated Gift Letter. Exception cleared. | 06/09/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837663 | xxxxxx | 33533528 | xxxxxx | 06/03/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included. The Settlement Agent, xxxxxx & Seller xxxxxx are missing. |  | Reviewer Comment (2025-06-09): Received Fraud and OFAC search run on Settlement Agent, xxxxxx & Seller xxxxxx. Exception cleared. | 06/09/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837665 | xxxxxx | 33717303 | xxxxxx | 06/23/2025 | Credit | Guideline | Guideline Issue | Guideline | Program Guidelines require the borrower has been in business for a minimum of 2 years. |  | xxxxxx was dissolved and a new LLC opened xxxxxx. The business used to qualify must be open and active for 2 years per guidelines. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-30): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-27): Being in the same line of work and being the same company are not one in the same thing. The CPA noted the borrower started with xxxxxx as a Schedule C. Then the docs in file confirm this business was dissolved and a new LLC formed which is xxxxxx. Therefore, this is a new company, same line of work, but new company open and active for < 2 years. Investor can elect to waive with verified compensation factors. |  |  | 06/30/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837692 | xxxxxx | 33528286 | xxxxxx | 05/29/2025 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home). | Initial 1003 for B1, dec page, reflects intent to occupy. |  | Reviewer Comment (2025-05-28): Client elects to waive |  |  | 05/28/2025 | 2 B | B | B | xxxxxx | xxxxxx | Second Home | Purchase | B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837694 | xxxxxx | 33572881 | xxxxxx | 06/09/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  | Reviewer Comment (2025-06-06): Client elects to waive |  |  | 06/06/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837694 | xxxxxx | 33572890 | xxxxxx | 06/09/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-06-10): Approval provided | 06/10/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837694 | xxxxxx | 33572948 | xxxxxx | 06/09/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2025-06-11): Received Credit Report - Gap along with LOE for the credit inquiries. Exception cleared. | 06/11/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837694 | xxxxxx | 33574628 | xxxxxx | 06/09/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-06-11): Received Supplement report with coverage amount. Exception cleared. | 06/11/2025 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837694 | xxxxxx | 33575230 | xxxxxx | 06/09/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 43.38510% exceeds Guideline total debt ratio of 43.00000%. | DTI exceeds FTHB guides, living rent free. Max DTI is 43%. Appears Lender used a higher $2,500 mo income for 2nd salary job. Paystub in file supports $2K mo. |  | Reviewer Comment (2025-06-10): Per client request, added in rental income capped at 120% to subject property as it is a xxxxxx unit property. | 06/10/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837694 | xxxxxx | 33575346 | xxxxxx | 06/09/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | ATR risk due to DTI. DTI exceeds FTHB guides, living rent free. Max DTI is 43%. Appears Lender used a higher $2,500 mo income for 2nd salary job. Paystub in file supports $2K mo. |  | Reviewer Comment (2025-06-10): Per client request, added in rental income capped at 120% to subject property as it is a xxxxxx unit property. | 06/10/2025 |  |  | 1 B A C | C | A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837694 | xxxxxx | 33575347 | xxxxxx | 06/09/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR Risk due to DTI. DTI exceeds FTHB guides, living rent free. Max DTI is 43%. Appears Lender used a higher $2,500 mo income for 2nd salary job. Paystub in file supports $2K mo. |  | Reviewer Comment (2025-06-10): Per client request, added in rental income capped at 120% to subject property as it is a xxxxxx unit property. | 06/10/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837694 | xxxxxx | 33575348 | xxxxxx | 06/09/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 43.38510% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.) | DTI exceeds FTHB guides, living rent free. Max DTI is 43%. Appears Lender used a higher $2,500 mo income for 2nd salary job. Paystub in file supports $2K mo. |  | Reviewer Comment (2025-06-10): Per client request, added in rental income capped at 120% to subject property as it is a xxxxxx unit property. | 06/10/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837694 | xxxxxx | 33591848 | xxxxxx | 06/09/2025 | Credit | Guideline | Guideline Issue | Guideline | Program Guidelines require the borrower has been in business for a minimum of 2 years. |  | Per the CPA letter, borrower closed one business with xxxxxx and opened xxxxxx xxxxxx (1.41 years). Same line of work. The business being used to qualify must be open and active for 2 years. Investor exception in file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-10): Client elects to waive with verified compensation factors |  |  | 06/10/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837694 | xxxxxx | 33591920 | xxxxxx | 06/09/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Funds from one account transferred to new account on 6.2024 from a different business used for qualifying. 2 months used from old account under old business name to make up 12 month statements (5.2024 and 6.2024) which guidelines do not state is allowed. Per CPA, the new business started 1.2024. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-13): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-11): The exception provided is for < 2 years employment history which was already waived on this file. This is to use multiple bank statements from the previous and existing business to make up the 12 months statements which guidelines do not say is allowed. |  |  | 06/13/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837696 | xxxxxx | 33521946 | xxxxxx | 06/02/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 3.76 is less than Guideline PITIA months reserves of 4.00. |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-03): Client elects to waive with verified compensation factors |  |  | 06/03/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837696 | xxxxxx | 33521960 | xxxxxx | 06/02/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Insufficient reserves |  | Reviewer Comment (2025-06-03): Loan designation updated to Non-QM. Condition no longer applies. | 06/03/2025 |  |  | 1 B A C | C | A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837696 | xxxxxx | 33521961 | xxxxxx | 06/02/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Insufficient reserves |  | Reviewer Comment (2025-06-03): Loan designation updated to Non-QM. Condition no longer applies. | 06/03/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837696 | xxxxxx | 33526787 | xxxxxx | 06/02/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included. The Property Seller xxxxxx & xxxxxx Trustees, signing on behalf of xxxxxx, are missing. |  | Reviewer Comment (2025-06-04): Received updated fraud report, fraud and OFAC search run on the authorized signor of the seller. Exception cleared. | 06/04/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837726 | xxxxxx | 33488938 | xxxxxx | 04/29/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request to allow subject property with square footage below minimum required at xxxxxx Sq Ft vs required 500 sq ft. Appraisal does confirm subject has xxxxxx. Borrower has excellent credit and 12 Months reserves with compensating factor of 735 Credit score and 12 months reserves for new build. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-04-29): Client elects to downgrade and waive using compensating factors:<br> Borrower has 12 months reserves for new build<br> Guidelines Representative FICO: 620<br> Representative FICO: 735 |  |  | 04/29/2025 | 2 B | B | B | xxxxxx | xxxxxx | Investment | Purchase | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837727 | xxxxxx | 33488934 | xxxxxx | 04/25/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Condo less than 500 sq feet, property is xxxxxx sq feet. Lender approved exception in file. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Experienced investor owns and manages 2 or more properties for 12 months | Reviewer Comment (2025-04-25): Lender approved exception in file. Regrade and waive |  |  | 04/25/2025 | 2 B | B | B | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837727 | xxxxxx | 33488935 | xxxxxx | 04/25/2025 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  | Reviewer Comment (2025-04-25): NA foreign National | 04/25/2025 |  |  | 1 D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837727 | xxxxxx | 33488936 | xxxxxx | 04/25/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of is less than Guideline representative FICO score of 620. | 680 credit score used per approval and lender approved exception in file. Missing credit report. |  | Reviewer Comment (2025-04-25): NA foreign National | 04/25/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837729 | xxxxxx | 33488975 | xxxxxx | 04/15/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $840.50 exceeds tolerance of $642.00 plus 10% or $706.20. Sufficient or excess cure was provided to the borrower. xxxxxx | Ten Percent Fee Tolerance exceeded. Total amount of $840.50 exceeds tolerance of $642.00 plus 10% or $706.20. |  | Reviewer Comment (2025-04-14): Sufficient Cure Provided within 60 Days of Closing |  | 04/14/2025 |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | A | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837729 | xxxxxx | 33488976 | xxxxxx | 04/15/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $10.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. (8304) | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $10.00 exceeds tolerance of $0.00. |  | Reviewer Comment (2025-04-14): Sufficient Cure Provided within 60 Days of Closing |  | 04/14/2025 |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | A | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837729 | xxxxxx | 33488978 | xxxxxx | 04/15/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification, Statement | Insurance Verification and Mortgage Statement missing for address xxxxxx |  | Reviewer Comment (2025-04-22): Provided and cleared. | 04/22/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837731 | xxxxxx | 33488986 | xxxxxx | 04/21/2025 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.46188% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $9,273.00 on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of $8,035.80 (an overage of $1,237.20 or .46188%). | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.46188% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of $8,035.80 |  | Reviewer Comment (2025-04-22): No longer testing xxxxxx since Non QM loan | 04/22/2025 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | B | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837732 | xxxxxx | 33583044 | xxxxxx | 04/15/2025 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal transfer letter is missing. |  | Reviewer Comment (2025-04-17): Per guides not required to be in lenders Name. UCDP in file in xxxxxx name.<br>Reviewer Comment (2025-04-16): Informational level 2 exception will remain. | 04/17/2025 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837732 | xxxxxx | 33583045 | xxxxxx | 04/15/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Lease Agreement | Lease Agreement is missing for investment property. |  | Reviewer Comment (2025-05-22): Lender exception, xxxxxx ledger, and 3 month lease provided and cleared. | 05/22/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837732 | xxxxxx | 33583046 | xxxxxx | 04/15/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  | Reviewer Comment (2025-04-15): xxxxxx report unable to be rec'd 3 business days prior to xxxxxx close. |  |  | 04/15/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837732 | xxxxxx | 33583048 | xxxxxx | 04/15/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxxxx due to missing lease agreement for investment property. |  | Reviewer Comment (2025-05-22): Lender exception, xxxxxx ledger, and 3 month lease provided and cleared.<br>Reviewer Comment (2025-05-16): Please provide documentation for the rental income used for xxxxxx | 05/22/2025 |  |  | 1 B A C | C | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 837732 | xxxxxx | 33583051 | xxxxxx | 04/15/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - REO 25% Method | General QM: Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. (xxxxxx xxxxxx % Vacancy Method) | xxxxxx due to missing lease agreement for investment property. |  | Reviewer Comment (2025-05-22): Lender exception, xxxxxx ledger, and 3 month lease provided and cleared. | 05/22/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837732 | xxxxxx | 33583052 | xxxxxx | 05/22/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved lender exception in file to use short term rental income, using most recent 12 month xxxxxx ledger and taking 20% reduction. Comp factors provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-22): Approved lender exception in file to use short term rental income, using most recent 12 month xxxxxx ledger and taking 20% reduction. Comp factors provided. |  |  | 05/22/2025 | 2 B |  | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837735 | xxxxxx | 33488946 | xxxxxx | 04/30/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved Lender Exception for xxxxxx with square feet below the 500 required per guides, actual square feet is xxxxxx. Subject does have xxxxxx. Comp factors: borrower has 10 months reserves. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Experienced investor owns and manages 1 or more properties for 12 months | Reviewer Comment (2025-04-30): Client elects to downgrade and waive using compensating factors:<br> Borrower has 10 months reserves and <br> Borrower's Own Funds Percent: 25.60%<br> Borrower's Own Funds Amount: $183,041.74 |  |  | 04/30/2025 | 2 B | B | B | xxxxxx | xxxxxx | Investment | Purchase | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837738 | xxxxxx | 33489008 | xxxxxx | 05/02/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-12,521.25 exceeds tolerance of $-12,600.00. Insufficient or no cure was provided to the borrower. (9300) | Change of circumstance for lock update in file is dated xxxxxx however decrease to lender credit occurred on CD issued xxxxxx No cure provided for overage. |  | Reviewer Comment (2025-05-12): SitusAMC received more details for COC timing received purchase price update.<br>Reviewer Comment (2025-05-07): Please provide documentation in addition to the mis-dated VCC that will indicate when the lender was notified of the change disclosed. This can be in the form of conversation logs or other documentation showing date and time of notification of change. TRID Grid 4.0, Additional Considerations, Row 14 states; Changed Circumstance Documentation<br> A recent CFPB Supervisory Highlight (see Appendix section) has increased focus on the sufficiency of Change of Circumstance ("COC") documentation. When a lender issues a revised loan estimate reflecting an increase in fee(s) subject to tolerance, sufficient <br> COC documentation is required to rebaseline fee amounts. The regulation provides that "the creditor must be able to show compliance with § 1026.19(e) by documenting the original estimate of the cost at issue, explaining the reason for revision and how it <br> affected settlement costs, showing that the corrected disclosure increased the estimate only to the extent that the reason for revision actually increased the cost, and showing that the timing requirements of § 1026.19(e)(4) were satisfied." <br> To comply with the COC requirements and rebaseline fee amounts, TPRs will look to the COC documentation in file to include the components enumerated within the regulations as set forth in the preceding paragraph. The COC documentation, at a minimum, <br> should include: 1) The original estimate of the cost (can be documented through fee amounts disclosed on the initial LE); 2) specific reason for the revision and how it impacted the specific fee(s) that increased; 3) the revised amount (can be documented <br> through fee amounts disclosed on the revised xxxxxx but increase must correspond with actual change resulting from documented COC and only fees related to the specific COC are considered for rebaseline); and 4) the date of the changed circumstance (i.e. the <br> date the creditor received information sufficient to establish that one of the reasons for revision provided under § 1026.19(e)(3)(iv)(A) through (F) has occurred)<br> The COC information can be contained on multiple documents (COC doc, screenshot of notes on an LOS or 1008, rate lock agreement, communication logs, etc.) but ideally centralized in the file for an efficient review. Documentation of borrower requested <br> changes should include the date of the borrower's change request and be documented in writing through copy of borrower emails, communication logs, screenshot of LO notes in LOS, etc. See Appendix for examples of sufficient and insufficient COC <br> documentation. | 05/12/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837740 | xxxxxx | 33489002 | xxxxxx | 04/29/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xxxxxx , Most Recent Tax Return End Date xxxxxx , Tax Return Due Date xxxxxx . (xxxxxx/S-Corp) | 2024 returns not provided. |  | Reviewer Comment (2025-04-29): Informational EV2 |  |  | 04/29/2025 | 2 B | B | B | xxxxxx | xxxxxx | Second Home | Purchase | B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837740 | xxxxxx | 33489003 | xxxxxx | 04/29/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 85.00000% exceeds Guideline loan to value percentage of 80.00000%. | Approved lender exception in file for 85% LTV. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-04-29): Approved lender exception in file for 85% LTV. |  |  | 04/29/2025 | 2 B | B | B | xxxxxx | xxxxxx | Second Home | Purchase | B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837742 | xxxxxx | 33583055 | xxxxxx | 05/06/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-05-06): Provided and cleared. | 05/06/2025 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837742 | xxxxxx | 33583059 | xxxxxx | 05/06/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $480.00 exceeds tolerance of $322.00 plus 10% or $354.20. Insufficient or no cure was provided to the borrower. xxxxxx | 10% tolerance was exceeded by $480.00 due to increase of settlement fees. No valid COC provided, nor evidence of cure in file. |  | Reviewer Comment (2025-06-02): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-05-29): SitusAMC received cure documents for $58.80 however, the required cure for 10% tolerance is $125.80. Remaining cure of $67.00 is required.<br>Reviewer Comment (2025-05-27): SitusAMC received rebuttal comment indicates that Revision requested by the consumer and the quote received from title. But there seems to be no supporting document in the loan file for the borrower request to change. Also, the receipt of quote reflects total recording charges at $480 is not a valid changed circumstance in order for a fee to be re-baselined. Please provide documentation of borrower requested change and it should include the date of the borrower's change request and be documented in writing through copy of borrower emails, Communication log or screenshot of LO notes in LOX, etc. Otherwise, cure is required to borrower.<br>Reviewer Comment (2025-05-15): SitusAMC received rebuttal comment. However, provided COC does not give sufficient information on what impacts and why the Recording fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Reviewer Comment (2025-05-09): SitusAMC received COC dated xxxxxx , but it does not give sufficient information on why the recording fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason recording fee increased and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. |  | 06/02/2025 |  | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837743 | xxxxxx | 33488949 | xxxxxx | 05/01/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-05-02): After further review, exception cleared. | 05/02/2025 |  |  | 1 D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 837743 | xxxxxx | 33488951 | xxxxxx | 05/01/2025 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | Credit Report: Original // Borrower: xxxxxx | Fraud Report which includes OFAC report is missing for the member xxxxxx. |  | Reviewer Comment (2025-05-07): OFAC/Background provided for guarantor as per guides, exception cleared. | 05/07/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 837743 | xxxxxx | 33488952 | xxxxxx | 05/01/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Birth Date was not provided | Borrower: xxxxxx | DOB not provided. |  | Reviewer Comment (2025-05-07): DL and DOB provided, exception cleared. | 05/07/2025 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 837747 | xxxxxx | 33489016 | xxxxxx | 05/07/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $232.00 exceeds tolerance of $191.00 plus 10% or $210.10. Insufficient or no cure was provided to the borrower. xxxxxx | Recording fees increased on final CD without valid change of circumstance, no cure provided for overage. |  | Reviewer Comment (2025-05-16): SitusAMC received LOE, proof of mailing & copy of refund check. |  | 05/16/2025 |  | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837747 | xxxxxx | 33489018 | xxxxxx | 05/07/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception requested to allow 2 unsourced large deposits-each for $100,000 in the borrower's personal checking account: xxxxxx. The borrower has a history of larger wire transfers wire transfers from various business entities. Low DTI, high income. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2025-05-07): Client elects to downgrade and waive based on the following compensating factors:<br> Documentation Type: 12mo Bank Statement<br> Disposable Income: $189,399.28<br> DTI: 20.24198% <br> Guideline Maximum DTI: 50.00000% |  |  | 05/07/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837757 | xxxxxx | 33527952 | xxxxxx | 06/03/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-06-02): Client elects to waive |  |  | 06/02/2025 | 2 B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837757 | xxxxxx | 33527956 | xxxxxx | 06/03/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $2,080.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7325) | The COC in file does not give sufficient information as to why LPC changed to BPC. |  | Reviewer Comment (2025-06-09): SitusAMC received COC dated xxxxxx .<br>Reviewer Comment (2025-06-05): SitusAMC: The COC that was provided in the trailing images was also provided in the original loan package. but it does not give sufficient information on why the fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. | 06/09/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837757 | xxxxxx | 33528015 | xxxxxx | 06/03/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Reviewer Comment (2025-06-02): Client elects to waive |  |  | 06/02/2025 | 2 B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837768 | xxxxxx | 33528278 | xxxxxx | 06/02/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  | Reviewer Comment (2025-05-30): Client elects to waive |  |  | 05/30/2025 | 2 B | B | B | xxxxxx | xxxxxx | Second Home | Purchase | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837768 | xxxxxx | 33528281 | xxxxxx | 06/02/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-04): Receive Final 1003. Exception cleared. | 06/04/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837768 | xxxxxx | 33528404 | xxxxxx | 06/02/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after xxxxxx , no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $8,895.70 may be required. | Loan Estimates not provided |  | Reviewer Comment (2025-06-04): SitusAMC received LE. | 06/04/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | No Defined Cure B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837768 | xxxxxx | 33544514 | xxxxxx | 06/02/2025 | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | Initial 1003 was not provided. Application date taken from Fraud Report. |  | Reviewer Comment (2025-05-30): Client elects to waive |  |  | 05/30/2025 | 2 B | B | B | xxxxxx | xxxxxx | Second Home | Purchase | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837768 | xxxxxx | 33576828 | xxxxxx | 06/04/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $3,459.00 exceeds tolerance of $2,793.00 plus 10% or $3,072.30. Insufficient or no cure was provided to the borrower. xxxxxx | Fee increased no VCC noted in loan file. |  | Reviewer Comment (2025-06-10): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  | 06/10/2025 |  | 2 B |  | B | xxxxxx | xxxxxx | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 837768 | xxxxxx | 33576829 | xxxxxx | 06/04/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,757.70 exceeds tolerance of $900.00. Insufficient or no cure was provided to the borrower. (7506) | Fee increased without notice. No VCC located in loan file for fee increase. |  | Reviewer Comment (2025-06-10): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  | 06/10/2025 |  | 2 B |  | B | xxxxxx | xxxxxx | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 837784 | xxxxxx | 33549817 | xxxxxx | 06/02/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included. The Settlement Agent "xxxxxx" & Seller "xxxxxx" are missing. |  | Reviewer Comment (2025-06-04): Received Fraud and OFAC search run on Settlement Agent "xxxxxx" & Seller "xxxxxx". Exception cleared. | 06/04/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837800 | xxxxxx | 33574919 | xxxxxx | 06/09/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The updated appraisal with a completion date of xxxxxx updated the flood zone to xxxxxx but reflects xxxxxx to in a FEMA Special Flood Hazard Area. |  | Reviewer Comment (2025-06-17): Updated appraisal provided | 06/17/2025 |  |  | 1 D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837800 | xxxxxx | 33584198 | xxxxxx | 06/09/2025 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date xxxxxx, Disbursement date: xxxxxx | HO6: Wet State: The Hazard Insurance Policy Effective Date is after the later of the note or transaction date. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-17): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-17): The agent LOE is not sufficient. If the HO6 policy was effective xxxxxx, the corrected policy must be provided. |  |  | 06/17/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837823 | xxxxxx | 33575776 | xxxxxx | 06/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Master Insurance Fee. Fee Amount of $50.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75142) | Cure nor valid COC provided |  | Reviewer Comment (2025-06-18): Situsamc received COC dated xxxxxx <br>Reviewer Comment (2025-06-16): "SitusAMC received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the Master insurance policy fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br> " | 06/18/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 837823 | xxxxxx | 33575820 | xxxxxx | 06/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial xxxxxx) | Evidence of earlier receipt not provided |  | Reviewer Comment (2025-06-16): SitusAMC received xxxxxx CD 3 business days prior to consummation. | 06/16/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837823 | xxxxxx | 33609914 | xxxxxx | 06/10/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The HOA Questionnaire and Master Blanket reflect Project Legal Name as xxxxxx HOA on page 1; however, Condo Rider & Appraisal report reflect the project name is xxxxxx. |  | Reviewer Comment (2025-06-19): Received updated Appraisal Report. Exception cleared. | 06/19/2025 |  |  | 1 C A | C | A D | xxxxxx | xxxxxx | Primary | Purchase | D A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837857 | xxxxxx | 33609017 | xxxxxx | 06/13/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2025-06-17): Received Business Purpose Certificate. Exception cleared. | 06/17/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837857 | xxxxxx | 33609019 | xxxxxx | 06/13/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  |  |  | Reviewer Comment (2025-06-17): Received Note Addendum - Prepayment. Exception cleared. | 06/17/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | Yes | Property Focused |
| xxxxxx | 837857 | xxxxxx | 33609061 | xxxxxx | 06/13/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on authorized signor for seller, xxxxxx. |  | Reviewer Comment (2025-06-25): Received updated Fraud Report. Fraud and OFAC searches run on authorized signor for Seller, xxxxxx. Exception cleared. | 06/25/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837857 | xxxxxx | 33641822 | xxxxxx | 06/13/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Per LOE provided by xxxxxx, the borrower is living rent free at xxxxxx, however per 1003 borrower is living rent free at xxxxxx. Please provide evidence as to where the borrower is currently residing and please provide corrected 1003, if necessary. |  | Reviewer Comment (2025-06-23): Received corrected 1003. Exception cleared.<br>Reviewer Comment (2025-06-18): As per LOE borrower is living rent free at xxxxxx. however as per 1003 borrower current address is reflecting as xxxxxx. Provide 1003 with corrected address. Exception remains. | 06/23/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837864 | xxxxxx | 33695459 | xxxxxx | 06/24/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2025-06-26): Received Credit refresh report dated xxxxxx . Exception cleared. | 06/26/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837864 | xxxxxx | 33703331 | xxxxxx | 06/24/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception in file. Purpose and activities are limited to ownership and management of real property for the vesting entity for the LLC. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-22): Client elects to waive with verified compensation factors |  |  | 06/22/2025 | 2 B | B | B | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837864 | xxxxxx | 33703338 | xxxxxx | 06/24/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Borrowing LLC not included in the Fraud report and OFAC search |  | Reviewer Comment (2025-06-26): Received fraud report. Fraud and OFAC search run on the borrower. Exception cleared. | 06/26/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837864 | xxxxxx | 33703614 | xxxxxx | 06/24/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Certificate of Good Standing not provided for Borrowing Entity. |  | Reviewer Comment (2025-06-25): COGS provided | 06/25/2025 |  |  | 1 C A | C | A D | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837864 | xxxxxx | 33720532 | xxxxxx | 06/24/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Occupancy Cert does not have Investment checked. |  | Reviewer Comment (2025-06-26): Received Occupancy Certificate. Exception cleared. | 06/26/2025 |  |  | 1 C A | C | A D | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837864 | xxxxxx | 33720534 | xxxxxx | 06/24/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Mortgagee + ISAOA is missing |  | Reviewer Comment (2025-06-25): Updated HOI provided | 06/25/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837874 | xxxxxx | 33507180 | xxxxxx | 05/29/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-03): Received Final 1003. Exception cleared. | 06/03/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837874 | xxxxxx | 33527290 | xxxxxx | 05/29/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Business Purpose Certificate was not provided. |  | Reviewer Comment (2025-06-05): BP cert provided | 06/05/2025 |  |  | 1 C A | C | A D | xxxxxx | xxxxxx | Investment | Purchase | D B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837874 | xxxxxx | 33527295 | xxxxxx | 05/29/2025 | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | Initial application is not signed and dated by the LO. Fraud Report utilized for application date. |  | Reviewer Comment (2025-05-28): Client elects to waive |  |  | 05/28/2025 | 2 B | B | B | xxxxxx | xxxxxx | Investment | Purchase | D B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837874 | xxxxxx | 33527296 | xxxxxx | 05/29/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  | Reviewer Comment (2025-05-28): Client elects to waive |  |  | 05/28/2025 | 2 B | B | B | xxxxxx | xxxxxx | Investment | Purchase | D B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837874 | xxxxxx | 33527327 | xxxxxx | 05/29/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | COGS not provided for the Borrowing Entity from the State of xxxxxx where Entity was formed. |  | Reviewer Comment (2025-06-06): Received Certificate of good standing. Exception cleared. | 06/06/2025 |  |  | 1 C A | C | A D | xxxxxx | xxxxxx | Investment | Purchase | D B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837888 | xxxxxx | 33536915 | xxxxxx | 06/04/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-06-04): Received Final Title Policy. Exception cleared. | 06/04/2025 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837888 | xxxxxx | 33536916 | xxxxxx | 06/04/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-06-04): Received Final Title Policy. Exception cleared. | 06/04/2025 |  |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837888 | xxxxxx | 33537396 | xxxxxx | 06/04/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan allows for Partial Payments. (Final xxxxxx) | The Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan allows for Partial Payments. |  | Reviewer Comment (2025-06-10): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-06-05): SitusAMC received Corrected CD. Missing copy of LOE to borrower that accompanied the PCCD to finalize cure. |  | 06/10/2025 |  | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 837888 | xxxxxx | 33541476 | xxxxxx | 06/04/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for the seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-06-06): Received Fraud and OFAC report for authorized signor for the seller, xxxxxx. Exception cleared. | 06/06/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837889 | xxxxxx | 33810883 | xxxxxx | 06/20/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $500.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (9300) |  |  | Reviewer Comment (2025-06-20): Sufficient Cure Provided At Closing |  | 06/20/2025 |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | A | A | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837898 | xxxxxx | 33582776 | xxxxxx | 06/10/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | As per insurance document address reflects "xxxxxx". Note address is "xxxxxx" . |  | Reviewer Comment (2025-06-18): Received updated Hazard Insurance. Exception cleared. | 06/18/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837898 | xxxxxx | 33582811 | xxxxxx | 06/10/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Business License, CPA Letter | 1) Business license for the past 2 years must be provided. If nature of business does not require government issued license, borrower's letter is required to explain the details of business nature. 2) Signed CPA LOE confirming they have prepared the most recent 2 years tax return filing for the borrower's business is required.<br>Note: CPA LOE in file reflects no business license required (but not from the Borrower) and the letter does not state the nature of Borrower's business. CPA LOE in file states they have "reviewed" the most recent 2 years of business tax filings, but does not state they have prepared the returns. |  | Reviewer Comment (2025-06-25): Received LOX from borrower for nature of business does not require government issued license. Exception cleared.<br>Reviewer Comment (2025-06-19): Received CPA Letter signed and dated prior to closing. However, pending LOX from borrower stating If nature of business does not require government issued license. Exception remains.<br>Reviewer Comment (2025-06-17): Received LOX dated xxxxxx signed and dated by borrower only mentions the nature of business, however it does not specifically mentioned that nature of business does not require government issued license. Also, received CPA Letter is dated xxxxxx and is dated post closing. Therefore, require the document mentioned on original condition. Exception remains.<br>Reviewer Comment (2025-06-16): The condition cannot be waived. As noted, the LOE on nature of business, per guidelines, must come from the borrower vs. tax preparer as well as post-close documentation is not acceptable.<br>Reviewer Comment (2025-06-13): Neither parts of the condition is cleared. Nothing received for item #1 and post close documentation received for item #2 which is not acceptable.<br>Reviewer Comment (2025-06-12): Received CPA letter is dated post-closing. Exception remains. | 06/25/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837938 | xxxxxx | 33574912 | xxxxxx | 06/09/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-06-06): Client elects to waive |  |  | 06/06/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837982 | xxxxxx | 33617732 | xxxxxx | 06/13/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-06-12): Client elects to waive |  |  | 06/12/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C | D | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837982 | xxxxxx | 33617737 | xxxxxx | 06/13/2025 | Compliance | Compliance | State Compliance | State Defect | (xxxxxx 50(a)(6)) xxxxxx Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) | xxxxxx Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender. |  |  | Reviewer Comment (2025-06-23): Signed disclosure by borrower and lender, LOE to borrower and evidence of delivery to the borrower provided.<br>Reviewer Comment (2025-06-19): The disclosure was signed by the lender post-close. To cure, provide the completed signed disclosure to the borrower, LOE to borrower and evidence of delivery to the borrower. |  | 06/23/2025 |  | 2 C B | C | B D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. B C | D | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 837982 | xxxxxx | 33618230 | xxxxxx | 06/13/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Provide the RCE. Minimum coverage amount of the insurance policy must cover at least equal to the lessor of:<br> • Full replacement cost value of the improvements as of the current property insurance policy effective date, or<br> • Total loan amount (including both first mortgage and second mortgage/HELOC), provided it equals no less than 80% of the replacement cost value of the improvements as of the current property insurance policy effective date. |  | Reviewer Comment (2025-06-17): RCE provided | 06/17/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C | D | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837982 | xxxxxx | 33639034 | xxxxxx | 06/13/2025 | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | The borrower does not meet the minimum 720 FICO for an escrow waiver. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. | Reviewer Comment (2025-06-17): Client elects to waive with verified compensation factors |  |  | 06/17/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C | D | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837982 | xxxxxx | 33639091 | xxxxxx | 06/13/2025 | Compliance | Compliance | State Compliance | State Defect | (xxxxxx 50(a)(6)) xxxxxx Cash-out Loan (Loan Not Closed At Office of Lender, Attorney, or Title Company) | xxxxxx Constitution Section 50(a)(6): Unable to determine if loan was closed at an authorized location due to missing documentation. | Closing/Escrow Instructions not provided |  | Reviewer Comment (2025-06-12): Client elects to waive |  |  | 06/12/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. D B C | D | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838060 | xxxxxx | 33734010 | xxxxxx | 06/27/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  | Reviewer Comment (2025-06-30): Received Credit Report - Gap. Exception cleared. | 06/30/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838063 | xxxxxx | 33674523 | xxxxxx | 06/18/2025 | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. | Borrower: xxxxxx |  |  | Reviewer Comment (2025-06-20): Spousal consent provided | 06/20/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 838066 | xxxxxx | 33716147 | xxxxxx | 06/25/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Provide the RCE. Minimum coverage based on estimated cost new of appraisal is $xxxxxx. |  | Reviewer Comment (2025-06-30): RCE provided<br>Reviewer Comment (2025-06-26): The 4.2025 guidelines do not allow for coverage of the loan amount unless it is 80% of the insured value. The RCE was not provided. Estimated cost new on the appraisal is $xxxxxx x 80% = $xxxxxx. | 06/30/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838066 | xxxxxx | 33716151 | xxxxxx | 06/25/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-30): Final 1003 provided | 06/30/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838066 | xxxxxx | 33716241 | xxxxxx | 06/25/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (xxxxxx/Wages) | VVOE was not provided for B2 dated within 10 days prior to closing. |  | Reviewer Comment (2025-07-02): VVOE provided dated within 10 days prior to the Note date | 07/02/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838066 | xxxxxx | 33716242 | xxxxxx | 06/25/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | < 2 months statements provide for Fidelity account for asset utilization. |  | Reviewer Comment (2025-06-30): Removed fidelity statement from asset utilization income per client request. Not needed to qualify. | 06/30/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838066 | xxxxxx | 33716243 | xxxxxx | 06/25/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | VVOE was not provided for B2 dated within 10 days prior to closing. |  | Reviewer Comment (2025-07-02): VVOE provided dated within 10 days prior to the Note date | 07/02/2025 |  |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838066 | xxxxxx | 33716244 | xxxxxx | 06/25/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Status Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided or Closing Disclosure not provided prior to closing. Any applicable Federal, State or Local compliance testing is unreliable or not performed. Loan is subject to high cost testing. |  |  | Reviewer Comment (2025-07-01): SitusAMC received xxxxxx CD | 07/01/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838066 | xxxxxx | 33716247 | xxxxxx | 06/25/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after xxxxxx , no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $0.00 may be required. | Loan Estimate is missing. |  | Reviewer Comment (2025-07-02): SitusAMC received xxxxxx LE | 07/02/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838066 | xxxxxx | 33716248 | xxxxxx | 06/25/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | VVOE was not provided for B2 dated within 10 days prior to closing. |  | Reviewer Comment (2025-07-02): VVOE provided dated within 10 days prior to the Note date | 07/02/2025 |  |  | 1 B A C | C | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 838066 | xxxxxx | 33716251 | xxxxxx | 06/25/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | xxxxxx - Pay history and Note provided. Provide the borrower's 6 month pay history via cancelled checks or bank statements. |  | Reviewer Comment (2025-06-27): Received 6 month pay history. Exception cleared. | 06/27/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838066 | xxxxxx | 33716270 | xxxxxx | 06/25/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | B2: A minimum of two (2) years of employment history for both wage/salary is required to be documented on the loan application (xxxxxx Form 1003). When the borrower has less than a two-year history of employment, the Seller should document positive factors to offset the shorter employment history, such as education or training. |  | Reviewer Comment (2025-06-26): Received corrected 1003 for B2 with a 2 year work history noted which is all the guidelines require. | 06/26/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838066 | xxxxxx | 33726153 | xxxxxx | 06/25/2025 | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | Initial 1003 is missing. Application date taken from Fraud Report. |  | Reviewer Comment (2025-06-23): Client elects to waive |  |  | 06/23/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838066 | xxxxxx | 33726155 | xxxxxx | 06/25/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  | Reviewer Comment (2025-06-23): Client elects to waive |  |  | 06/23/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838066 | xxxxxx | 33726172 | xxxxxx | 06/25/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Account Statements | An additional month is required for the xxxxxx statement as it was utilized to qualify in Asset Utilization and only 2 months were provided. 3 months is required per guidelines. |  | Reviewer Comment (2025-06-30): Received final CD which matches estimated closing statement. Removed xxxxxx account that only had 2 months statements as not needed to qualify per client request.<br>Reviewer Comment (2025-06-30): Removing the xxxxxx Account, the DTI is 45.15%. I updated the condition as there are 3 months for xxxxxx but not xxxxxx. However, please note, this is subject to change pending the final CD. The figures were calculated off the estimated closing statement in file due to the missing documents. Please let me know if you would like me to update the income and clear the condition removing the xxxxxx account. | 06/30/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838066 | xxxxxx | 33726230 | xxxxxx | 06/25/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final Closing Disclosure Received Date. Unable to determine compliance with rescission timing requirements. | Final CD not provided |  | Reviewer Comment (2025-07-01): RTC provided with disbursement date after rescission expiration period. | 07/01/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 838066 | xxxxxx | 33726256 | xxxxxx | 06/25/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Wages / Start date: xxxxxx | VVOE was not provided for B2 dated within 10 days prior to closing. |  | Reviewer Comment (2025-07-02): VVOE dated within 10 days prior to the Note date provided | 07/02/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838066 | xxxxxx | 33818088 | xxxxxx | 07/01/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | SitusAMC received xxxxxx Final CD. Missing initial CD. |  | Reviewer Comment (2025-07-02): SitusAMC received CD dated xxxxxx  | 07/02/2025 |  |  | 1 A |  | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838079 | xxxxxx | 33506297 | xxxxxx | 05/29/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | The file is missing evidence of initial Closing Disclosure. |  | Reviewer Comment (2025-06-05): SitusAMC Received CD dated xxxxxx . | 06/05/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838079 | xxxxxx | 33506299 | xxxxxx | 05/29/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $200.00 exceeds tolerance of $149.00 plus 10% or $163.90. Insufficient or no cure was provided to the borrower. xxxxxx | The Recording Fee increased from $149.00 on the initial Loan Estimate to $200.00 on the Final Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2025-06-24): SItusAMC received corrected PCCD reconciled with the final SS and LOE.<br>Reviewer Comment (2025-06-16): SitusAMC received PCCD with same issue date as final CD date xxxxxx , please provide updated PCCD with correct issue date after closing.<br>Reviewer Comment (2025-06-11): SitusAMC received PCCD with same issue date as final CD date, please provide updated PCCD with correct issue date along with LOE which accompanied the PCCD to finalize. |  | 06/24/2025 |  | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838079 | xxxxxx | 33578016 | xxxxxx | 06/05/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial xxxxxx) | SitusAMC Received CD dated xxxxxx and Docusign document; however, provided docusign document does not specify the list of documents sent. Provide list of documents sent along with provided Docusign dated xxxxxx or provide evidence that borrower received the CD dated xxxxxx days prior to closing. |  | Reviewer Comment (2025-06-06): SitusAMC received disclosure tracking for the xxxxxx CD. | 06/06/2025 |  |  | 1 A |  | A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838086 | xxxxxx | 33576312 | xxxxxx | 06/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $283.50 exceeds tolerance of $0.00 plus 10% or $0.00. Insufficient or no cure was provided to the borrower. xxxxxx | Cure nor valid COC provided |  | Reviewer Comment (2025-06-13): SitusAMC received LOE and itemization with fee bifurcation on LE. | 06/13/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | A | Exempt from ATR | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 838086 | xxxxxx | 33576394 | xxxxxx | 06/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $7,678.00 exceeds tolerance of $2,792.00. Insufficient or no cure was provided to the borrower. (8304) | Cure nor valid COC provided |  | Reviewer Comment (2025-06-13): SitusAMC received LOE and itemization with fee bifurcation on LE. | 06/13/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | A | Exempt from ATR | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 838086 | xxxxxx | 33606914 | xxxxxx | 06/10/2025 | Credit | Guideline | Guideline Issue | Guideline | Program Guidelines require the borrower has been in business for a minimum of 2 years. |  | Borrowers must be self-employed for at least two (2) years. Borrower has been SE for 1.25 years per CPA tax preparer letter. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-17): Client elects to waive with verified compensation factors |  |  | 06/17/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 838099 | xxxxxx | 33727783 | xxxxxx | 06/27/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-xxxxxx Citizen Status not provided |  | Provide the Perm Resident Card. |  | Reviewer Comment (2025-07-01): Received Permanent Resident Card. Exception cleared. | 07/01/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838099 | xxxxxx | 33727797 | xxxxxx | 06/27/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood certificate reflects the address as xxxxxx vs Note reflects the address as xxxxxx. |  | Reviewer Comment (2025-07-01): Updated flood cert provided | 07/01/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838125 | xxxxxx | 33569511 | xxxxxx | 06/09/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-06-06): Client elects to waive |  |  | 06/06/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838125 | xxxxxx | 33569521 | xxxxxx | 06/09/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Different lender |  | Reviewer Comment (2025-06-13): Updated HOI provided | 06/13/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838125 | xxxxxx | 33599522 | xxxxxx | 06/09/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | xxxxxx CU 1.2; xxxxxx CU 4.5. Due to discrepancy, a secondary valuation is required. |  | Reviewer Comment (2025-06-16): CDA received | 06/16/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838125 | xxxxxx | 33599578 | xxxxxx | 06/09/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. Title reflects taxes due and now delinquent that were not paid through closing. |  | Reviewer Comment (2025-06-13): Tax Cert provided reflecting taxes paid | 06/13/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838125 | xxxxxx | 33599620 | xxxxxx | 06/09/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Reviewer Comment (2025-06-13): Client elects to waive |  |  | 06/13/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838128 | xxxxxx | 33676177 | xxxxxx | 06/20/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xxxxxx did not disclose the required Lender Contact Information (Lender Name, Lender xxxxxx ID, Contact Name, Contact xxxxxx ID). (Final xxxxxx) | Lender Contact xxxxxx ID is missing on final Closing Disclosure. |  | Reviewer Comment (2025-06-24): SitusAMC received Letter of Explanation & Corrected Closing Disclosure. |  | 06/24/2025 |  | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838128 | xxxxxx | 33709664 | xxxxxx | 06/20/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $9,187.50 exceeds tolerance of $9,056.00. Insufficient or no cure was provided to the borrower. (7200) | Valid COC nor cure provided. The COC reflects the loan amount decreased which would not increase discount points. |  | Reviewer Comment (2025-06-24): SitusAMC received a valid COC. | 06/24/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838129 | xxxxxx | 33617668 | xxxxxx | 06/11/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification | The LOE provided states there is no HOI on the property, however the borrower has 2 mortgage liens on this property which would require property insurance. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-17): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-13): The borrower LOE is not acceptable. Per a look up, xxxxxx does require borrower's to hold homeowners insurance, even on HELOC and Closed End Seconds. If xxxxxx does not require the borrower to hold HOI, then this would need to come from xxxxxx. Also borrower LOE also states he only has 1 lien on the property, when he has two. xxxxxx statements in file have 2 different account numbers and balances. |  |  | 06/17/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838132 | xxxxxx | 33632798 | xxxxxx | 06/17/2025 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Copy of the Master/Blanket Hazard Policy is required (To include fidelity coverage).<br> - If the blanket policy does not provide "xxxxxx" coverage, the borrower will need to obtain a separate HO6 coverage<br> • Borrower must carry HO-6 coverage for replacement of such items as xxxxxx, and any improvements made to the unit |  | Reviewer Comment (2025-06-25): Received Master HOI policy. Exception cleared.<br>Reviewer Comment (2025-06-19): The attached confirmation is not acceptable alone. A copy of the master policy was not provided in file for review. Provide the master blanket coverage for the property. | 06/25/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838132 | xxxxxx | 33669154 | xxxxxx | 06/17/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA Dues. Fee Amount of $680.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (81718) | HOA dues in Section H payee reflects TBD. |  | Reviewer Comment (2025-06-26): SitusAMC received corrected PCCD and LOE<br>Reviewer Comment (2025-06-23): SitusAMC Received Corrected PCCD removing HOA dues from Section H; however, LOE not received. Also, required true and certified final SS in order to verify there were no HIA dues. Provide LOE and True and certified Final SS. | 06/26/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838132 | xxxxxx | 33669169 | xxxxxx | 06/17/2025 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. | Date Issued: xxxxxx HOA Dues, Real Estate Admin Fee |  |  | Reviewer Comment (2025-06-16): Client elects to waive |  |  | 06/16/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838132 | xxxxxx | 33669172 | xxxxxx | 06/17/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | CDA unit number is missing |  | Reviewer Comment (2025-06-20): Updated CDA provided | 06/20/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838135 | xxxxxx | 33526893 | xxxxxx | 05/28/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | The appraised value was used to qualify, however the borrower acquired the property on xxxxxx which > 6 months but is less 12 months from the application date of the subject transaction. Estimated Closing statement shows the borrower acquired the property for xxxxxx plus an additional xxxxxx Construction Holdback which totals xxxxxx. Per guidelines, 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. The lender utilized the higher appraised value. |  | Reviewer Comment (2025-05-30): Scope of work/doc improvements provided. Purchase price + doc improvements (removing escrow holdback) is xxxxxx which is higher than the appraised value of xxxxxx. Lower appraised value utilized to qualify which meets the guideline requirements. | 05/30/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838160 | xxxxxx | 33697053 | xxxxxx | 06/24/2025 | Compliance | Compliance | State Compliance | State HPML | xxxxxx HPML Threshold Test Compliant | xxxxxx Higher-Priced Mortgage Loan: APR on subject loan of 8.67776% or Final Disclosure APR of 8.72600% is equal to or greater than the threshold of APOR 6.92% + 1.5%, or 8.42000% Compliant Higher Priced Loan. |  |  | Reviewer Comment (2025-06-25): Client elects to waive |  |  | 06/25/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No obvious cure B A | B | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838166 | xxxxxx | 33569382 | xxxxxx | 06/09/2025 | Compliance | Compliance | State Compliance | Misc. State Level | xxxxxx Consumer Sales Practices Act Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Signed) | xxxxxx Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not signed by borrower(s). |  |  | Reviewer Comment (2025-06-06): Client elects to waive |  |  | 06/06/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838166 | xxxxxx | 33598189 | xxxxxx | 06/09/2025 | Credit | Guideline | Guideline Issue | Guideline | Program Guidelines require the borrower has been in business for a minimum of 2 years. |  | Per guidelines, borrowers who have been self-employed less than two years, but not less than one year prior to application are eligible with an additional six-months' reserves, and by documenting two years of previous experience in the same line of work. B2 does not have documented 2 years work history in the same line of work. Per CPA letter, xxxxxx from xxxxxx until purchase of business on xxxxxx and prior to that worked overseas in xxxxxx. Borrower has documented 1.89 months in same line of work. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-06-12): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-11): The same documents were provided that were in file at time of review and do not clear the condition. The guidelines do not state this requirement is exempt from any program product program and is for bank statement deals. |  |  | 06/12/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838166 | xxxxxx | 33634359 | xxxxxx | 06/12/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $188.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  | Reviewer Comment (2025-06-12): Sufficient Cure Provided At Closing |  | 06/12/2025 |  | 1 A |  | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B | B | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838190 | xxxxxx | 33583523 | xxxxxx | 06/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on xxxxxx are overdisclosed. (Final xxxxxx) |  |  | Reviewer Comment (2025-06-18): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-06-13): SitusAMC received Corrected CD. Missing copy of LOE to borrower to finalize cure. |  | 06/18/2025 |  | 2 C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838190 | xxxxxx | 33583524 | xxxxxx | 06/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on xxxxxx are underdisclosed. (Final xxxxxx) | Page 4 of the Final CD disclosed Non-Escrowed property costs Year 1 under Escrow Account. |  | Reviewer Comment (2025-06-18): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-06-13): SitusAMC received Corrected CD. Missing copy of LOE to borrower to finalize cure. |  | 06/18/2025 |  | 2 C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838190 | xxxxxx | 33583527 | xxxxxx | 06/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. (Final xxxxxx) | Page 4 of the Final CD disclosed Non-Escrowed property costs Year 1 under Escrow Account. |  | Reviewer Comment (2025-06-18): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-06-13): SitusAMC received Corrected CD. However, page 4 did not mark xxxxxx not have an escrow Account box. Page 1 reflects no escrows and no escrows collected on page 4 and no IEAD. Corrected CD and LOE to borrower to correct. |  | 06/18/2025 |  | 2 C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838190 | xxxxxx | 33583528 | xxxxxx | 06/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. (Final xxxxxx) | Page 4 of the Final CD disclosed Non-Escrowed property costs Year 1 under Escrow Account. |  | Reviewer Comment (2025-06-18): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-06-13): SitusAMC received Corrected CD. However, page 4 did not mark xxxxxx not have an escrow Account box. Page 1 reflects no escrows and no escrows collected on page 4 and no IEAD. Corrected CD and LOE to borrower to correct. |  | 06/18/2025 |  | 2 C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838190 | xxxxxx | 33585011 | xxxxxx | 06/10/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-09): Client elects to waive |  |  | 06/09/2025 | 2 B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838190 | xxxxxx | 33585019 | xxxxxx | 06/10/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | Missing proof of the PITIA. Recent purchase and only a estimated closing statement was provided. |  | Reviewer Comment (2025-06-19): Received Note, HOI, HOA and Taxes. Exception cleared.<br>Reviewer Comment (2025-06-13): Received HOA statement however we still require to verify Principal & Interest payment for new mortgage account with Balance of $xxxxxx Please provide supporting document to verify the same. Exception Remains. | 06/19/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838205 | xxxxxx | 33734440 | xxxxxx | 06/25/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | A first-time homebuyer who does not have 12 months rental history is eligible for a purchase transaction of a primary residence only. Borrower is living rent free, is a FTHB (fraud reports no properties owned/sold in the past 36 months) and purchasing an investment property. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-01): Client elects to waive with verified compensation factors |  |  | 07/01/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838280 | xxxxxx | 33508417 | xxxxxx | 05/29/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $58.03 exceeds tolerance of $57.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  | Reviewer Comment (2025-05-22): Sufficient Cure Provided At Closing |  | 05/22/2025 |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838280 | xxxxxx | 33508463 | xxxxxx | 05/29/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Statement | Provide Mortgage statement to determine whether the taxes and insurance are escrowed. If not, provide evidence of taxes and insurance to be included in the ratios. |  | Reviewer Comment (2025-06-04): Received Mortgage statement. Exception cleared. | 06/04/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838281 | xxxxxx | 33695892 | xxxxxx | 06/19/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | There are two liens on title however only 1 was paid at closing. There is a PC-CD in file which adds the second lien as paid, however final stamped settlement statement was not provided to support it was paid at closing. |  | Reviewer Comment (2025-06-23): Final stamped settlement statement provided supporting lien paid at closing. | 06/23/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838284 | xxxxxx | 33506679 | xxxxxx | 05/29/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Full Fraud Report is missing. Must contain all participants. |  | Reviewer Comment (2025-06-04): Received full Fraud report. All parties to the transaction are included in fraud and OFAC search. Exception cleared. | 06/04/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838284 | xxxxxx | 33507430 | xxxxxx | 05/29/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Unit number is missing |  | Reviewer Comment (2025-06-10): Updated HOI provided | 06/10/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838284 | xxxxxx | 33507573 | xxxxxx | 05/29/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $16,652.55 is less than Cash From Borrower $128,501.26. |  |  | Reviewer Comment (2025-06-04): Received final CD from REO C/O refinance with proceeds.<br>Reviewer Comment (2025-06-03): There is no Final CD nor Final Closing statement with net proceeds for a concurrent transaction for the property on xxxxxx | 06/04/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838284 | xxxxxx | 33528565 | xxxxxx | 05/29/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Per investor overlays to lender's guidelines, if a VOM is being utilized to verify rent, 6 months borrower' payment history via cancelled checks/bank statements is required (property on xxxxxx |  | Reviewer Comment (2025-06-06): Received 6 months borrower' payment history via cancelled checks/bank statements. Exception cleared.<br>Reviewer Comment (2025-06-03): The condition cannot be cleared. The VOM provided is for the property on xxxxxx which is an REO property. It does not matter if the loan closed concurrently with another recently as it is an active loan within the past 12 months. Per the investor overlays to the lender's guidelines, 6 months cancelled checks are required when a VOM is utilized to verify the mortgage history. | 06/06/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838284 | xxxxxx | 33528585 | xxxxxx | 05/29/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Policy: xxxxxx. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-06-16): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-16): The sales contract addendum, survey nor LOE clear this condition. As previously mentioned all addresses must match. If the address is incorrect or should have have contained both, then all other documents must be updated to the correct address or the title will need to be updated. Investor can elect to waive with verified compensation factors.<br>Reviewer Comment (2025-06-03): Condition cannot be waived. The LOE nor item #5 on title clear this condition. All addresses must match. Provide the supplement updating the title, the corrected title with email from title updating address, or the corrected and final title policy. |  |  | 06/16/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838284 | xxxxxx | 33528618 | xxxxxx | 05/29/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification, Lease Agreement |  |  | Reviewer Comment (2025-06-11): Received Lease agreement. Exception cleared.<br>Reviewer Comment (2025-06-04): Received Final CD for new refinance and copy of insurance. Still pending receipt of the lease agreement for rental income used as required by guidelines.<br>Reviewer Comment (2025-06-03): The only item on page 163 is the rent schedule which was already reviewed at time of review. Per guidelines, if rental income is used to qualify a lease agreement AND either a 1007,2months rent receipt or 1 month rent + security deposit is required. The 1007 was provided. Also, received new Note. Provide the Lease Agreement, evidence of insurance and now the Final CD for new loan closing. | 06/11/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838336 | xxxxxx | 33585515 | xxxxxx | 06/11/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  | Reviewer Comment (2025-06-14): EIN provided on the SOS COGS.<br>Reviewer Comment (2025-06-13): The is not a single member entity. There are two owners per the OA - xxxxxx and xxxxxx. | 06/14/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 838336 | xxxxxx | 33585517 | xxxxxx | 06/11/2025 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (2025-06-20): Flood cert provided | 06/20/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 838336 | xxxxxx | 33585521 | xxxxxx | 06/11/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Subject property history is not reflecting in credit report. Mortgage statement, Note and mortgage payoff provided. Per Note, loan matured on xxxxxx . Per Note, at the lender's discretion an extension can be granted for 3 months at a fee of $2,520 which was billed on xxxxxx per the statement, however only $2,455.34 was paid by the borrower. Provide evidence of extension. |  | Reviewer Comment (2025-06-30): Received Extension Agreement. Exception cleared.<br>Reviewer Comment (2025-06-16): An extension agreement is required to verify that the extension was officially granted. Also, provide the breakdown of fee provided on the payoff statement. Exception remains. | 06/30/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 838336 | xxxxxx | 33616998 | xxxxxx | 06/11/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | xxxxxx signed the Guarantor Agreement, however no credit documents were provided for this individuals (i.e. credit report, housing history, application, fraud report, ID). | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2025-06-14): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-13): The same comments were provided that were sent on xxxxxx As noted in the response on xxxxxx If xxxxxx is not Guaranteeing the loan, then they should not be listed on the Guarantor Agreement. Investor to advising if they are accepting the signatures on the Guarantor Agreement that xxxxxx is not a personal guarantor and does not need credit documents. Assigned to investor.<br>Reviewer Comment (2025-06-12): If xxxxxx is not Guaranteeing the loan, then they should not be listed on the Guarantor Agreement. Investor to advising if they are accepting the signatures on the Guarantor Agreement that xxxxxx is not a personal guarantor and does not need credit documents. Assigned to investor. |  |  | 06/14/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 838336 | xxxxxx | 33617079 | xxxxxx | 06/11/2025 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | Credit Report: Original // Borrower: xxxxxx |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2025-06-13): Client elects to waive with verified compensation factors |  |  | 06/13/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 838346 | xxxxxx | 33706790 | xxxxxx | 06/24/2025 | Credit | Guideline | Guideline Issue | Guideline | More than 3 NSFs/Overdraft Transfers occurred in the most recent 12-month period. |  | Investor Exception in file - Requesting exception for 6 NSF's one over the guidelines of 5 allowed on xxxxxx. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-22): Client elects to waive with verified compensation factors |  |  | 06/22/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | B | B | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838346 | xxxxxx | 33707108 | xxxxxx | 06/24/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-06-22): Client elects to waive |  |  | 06/22/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | B | B | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838373 | xxxxxx | 33764773 | xxxxxx | 06/17/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Appraisal report dated xxxxxx missing evidence of receipt. |  | Reviewer Comment (2025-06-17): Client elects to downgrade and waive | 06/17/2025 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838373 | xxxxxx | 33764774 | xxxxxx | 06/17/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.56358% or Final Disclosure APR of 8.76200% is equal to or greater than the threshold of APOR 6.87% + 1.5%, or 8.37000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2025-06-25): Initial appraisal and updated appraisal provided with sent dates for both appraisals<br>Reviewer Comment (2025-06-24): The appraisal sent date is xxxxxx, which is prior to the appraisal provided in file with a report date of xxxxxx. Missing confirmation of the sent date of the appraisal of xxxxxx. Missing the full appraisal with a report date of xxxxxx | 06/25/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838373 | xxxxxx | 33764775 | xxxxxx | 06/17/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Appraisal report dated xxxxxx missing evidence of receipt. |  | Reviewer Comment (2025-06-25): Initial appraisal and updated appraisal provided with sent dates for both appraisals<br>Reviewer Comment (2025-06-24): The appraisal sent date is xxxxxx, which is prior to the appraisal provided in file with a report date of xxxxxx. Missing confirmation of the sent date of the appraisal of xxxxxx. Missing the full appraisal with a report date of xxxxxx | 06/25/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838386 | xxxxxx | 33556759 | xxxxxx | 06/06/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2025-06-23): Received Business Purpose Certificate. Exception cleared. | 06/23/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 838386 | xxxxxx | 33581278 | xxxxxx | 06/06/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Track Record Report not provided |  | Borrower does not meet requirements for first time investor. Per 1003 and tax certs, the borrower owns 2 other investment properties, however evidence if these properties were owned 1+ years was not provided. Provide the property profile reports for these properties to support 1+ year ownership. |  | Reviewer Comment (2025-06-30): Received Property History Report, to verify the years of experience of the borrower. Exception cleared.<br>Reviewer Comment (2025-06-26): Received Tax Certificate, however tax certificate does not clear the condition. Provide Property history report to calculate the years of experience from the property when it was purchased. Per guidelines, borrower/guarantor must have a history of owning and managing commercial or non-owner occupied residential real estate for at least 1 year in last 3 years. Exception remains.<br>Reviewer Comment (2025-06-23): Received Tax Certificate is for the primary property. Please provide the property profile reports for these properties to support 1+ year ownership. Exception remains. | 06/30/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 838428 | xxxxxx | 33679080 | xxxxxx | 06/23/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $165.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75106) | The Collateral Desktop Analysis Fees on the Loan Estimate dated xxxxxx was $0; however, the final Closing Disclosure reflects $165.00 without a valid change of circumstance. |  | Reviewer Comment (2025-06-17): Sufficient Cure Provided At Closing |  | 06/17/2025 |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838428 | xxxxxx | 33715091 | xxxxxx | 06/23/2025 | Credit | Guideline | Guideline Issue | Guideline | Program Guidelines require the borrower has been in business for a minimum of 2 years. |  | Investor Exception - Business used to qualify has been open and active for < 2 years. Open xxxxxx 23. (18 months). | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-20): Client elect to waive with verified compensation factors |  |  | 06/20/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838428 | xxxxxx | 33715152 | xxxxxx | 06/23/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The lender is using 3 additional business bank statements from #xxxxxx to increase the income which guidelines do not say is allowed xxxxxx 25-3/2025). There is no LOE in file for business account change as well as #xxxxxx has these months as well. |  | Reviewer Comment (2025-07-02): Received LOX from borrower and bank to verify the reason for opening new bank account. Exception cleared.<br>Reviewer Comment (2025-07-01): Received UW worksheet reflects that lender utilized #xxxxxx and #xxxxxx for calculation. Please provide LOE for this accounts. Exception remains. | 07/02/2025 |  |  | 1 C A | C | A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838443 | xxxxxx | 33615985 | xxxxxx | 06/13/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-06-16): Received Fraud and OFAC search run on authorized signor for seller, xxxxxx. Exception cleared. | 06/16/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838443 | xxxxxx | 33641034 | xxxxxx | 06/13/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 671 is less than Guideline representative FICO score of 680. | Minimum 680 FICO when LTV is > 75% (Per investor overlays to lender guidelines). | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-06-24): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-16): The condition cannot be waived. As noted in the original condition, the investor has overlays to the lender's guidelines. A minimum 680 FICO is required on the P&L program when the LTV is > 75%. |  |  | 06/24/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838468 | xxxxxx | 33619556 | xxxxxx | 06/11/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Permitted for individual(s) earning 100% commission or for independent xxxxxx. 2024 1099 paid to the borrower's business. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-12): Client elects to waive with verified compensation factors |  |  | 06/12/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838468 | xxxxxx | 33619711 | xxxxxx | 06/11/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide the updated 1003. The borrower does not have ownership in xxxxxx but is a contractor for this place. Borrower's business employment is xxxxxx. |  | Reviewer Comment (2025-06-12): Updated 1003 provided | 06/12/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838474 | xxxxxx | 33680595 | xxxxxx | 06/23/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Provide the business bank statement for the period xxxxxx - xxxxxx for xxxxxx. |  | Reviewer Comment (2025-06-26): Jan 2025 bank statement provided<br>Reviewer Comment (2025-06-24): The only document uploaded was a list of ATR conditions on an email correspondence which does not clear this condition. Please try uploading the requested document again. | 06/26/2025 |  |  | 1 B A C | C | A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 838474 | xxxxxx | 33680596 | xxxxxx | 06/23/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Bank Statement Guidelines Number of Bank Statements Requirement not met | Ability to Repay (Dodd-Frank 2014): The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. (xxxxxx/Bank Statements) | Provide the business bank statement for the period xxxxxx - xxxxxx for xxxxxx. |  | Reviewer Comment (2025-06-26): Jan 2025 bank statement provided<br>Reviewer Comment (2025-06-24): The only document uploaded was a list of ATR conditions on an email correspondence which does not clear this condition. Please try uploading the requested document again. | 06/26/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838474 | xxxxxx | 33680597 | xxxxxx | 06/23/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Provide the business bank statement for the period xxxxxx - xxxxxx for xxxxxx. |  | Reviewer Comment (2025-06-26): Jan 2025 bank statement provided<br>Reviewer Comment (2025-06-24): The only document uploaded was a list of ATR conditions on an email correspondence which does not clear this condition. Please try uploading the requested document again. | 06/26/2025 |  |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838474 | xxxxxx | 33680660 | xxxxxx | 06/23/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Provide the business bank statement for the period xxxxxx - xxxxxx for xxxxxx. |  | Reviewer Comment (2025-06-26): Jan 2025 bank statement provided<br>Reviewer Comment (2025-06-24): The only document uploaded was a list of ATR conditions on an email correspondence which does not clear this condition. Please try uploading the requested document again. | 06/26/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838474 | xxxxxx | 33715829 | xxxxxx | 06/23/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $5,720.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7325) | Locking the rate does not add loan origination fees. The initial LE appears to disclose a Broker Fee and the proceeding LE's a Loan Origination Fee. No documentation provided on fee name or if an error. |  | Reviewer Comment (2025-07-01): SitusAMC Received LOE for the discrepancy in fee name.<br>Reviewer Comment (2025-06-26): SitusAMC received PCCD and LOE, however if mortgage broker fee disclosed on initial LE is same as Loan origination fee disclosed on revised LE. Please provide attestation confirming the same. | 07/01/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 838474 | xxxxxx | 33715831 | xxxxxx | 06/23/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $995.00 exceeds tolerance of $985.00. Insufficient or no cure was provided to the borrower. (7506) | Cure provided on final CD, however due to multiple violations, once all are addressed, this will be addressed. |  | Reviewer Comment (2025-06-26): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. | 06/26/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 838474 | xxxxxx | 33813379 | xxxxxx | 07/01/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $995.00 exceeds tolerance of $985.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  | Reviewer Comment (2025-07-01): Sufficient Cure Provided At Closing |  | 07/01/2025 |  | 1 A |  | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 838480 | xxxxxx | 33625851 | xxxxxx | 06/16/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $195.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103) | Cure nor valid COC provided |  | Reviewer Comment (2025-06-17): SitusAMC received correct COC dated xxxxxx and as per subject to appraisal. | 06/17/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838486 | xxxxxx | 33619163 | xxxxxx | 06/11/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx HOA Verification<br> HOA Verification<br> HOA Verification<br> HOA Verification<br> HOA Verification<br> HOA Verification | HOA dues verification is missing for all REO properties listed. Property profile reports verify xxxxxx units. Further, the property on xxxxxx per the Fraud Report reflected a previous 2021 HOA lien, therefore HOA dues verification is also required. |  | Reviewer Comment (2025-06-12): Received HOA Statement for all properties. Exception cleared. | 06/12/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838505 | xxxxxx | 33611370 | xxxxxx | 06/13/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $216.00 exceeds tolerance of $160.00 plus 10% or $176.00. Insufficient or no cure was provided to the borrower. xxxxxx | Cure nor valid COC provided. There is a $25 tolerance cure on the PC-CD, however this is still short and there is no evidence this as provided at closing and no evidence of check, LOE, or evidence of delivery to the borrower. |  | Reviewer Comment (2025-06-24): SItusAMC received PCCD, LOE, proof of mailing & copy of refund check. |  | 06/24/2025 |  | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838505 | xxxxxx | 33611371 | xxxxxx | 06/13/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-06-16): Received Final Title policy. Exception cleared. | 06/16/2025 |  |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838505 | xxxxxx | 33611375 | xxxxxx | 06/13/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-06-16): Received Final Title policy. Exception cleared. | 06/16/2025 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838505 | xxxxxx | 33637609 | xxxxxx | 06/13/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103) | Appraisal as-is was received xxxxxx . Fee was not disclosed for re-inspection for ADU xxxxxx until xxxxxx . |  | Reviewer Comment (2025-06-24): SItusAMC received PCCD, LOE, proof of mailing & copy of refund check. |  | 06/24/2025 |  | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838521 | xxxxxx | 33536988 | xxxxxx | 05/30/2025 | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. | Reviewer Comment (2025-06-04): Client elects to waive with verified compensation factors |  |  | 06/04/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838538 | xxxxxx | 33607419 | xxxxxx | 06/12/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-06-17): Received Final Title policy. Exception cleared. | 06/17/2025 |  |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838538 | xxxxxx | 33607518 | xxxxxx | 06/12/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-06-17): Received Final Title policy. Exception cleared. | 06/17/2025 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838538 | xxxxxx | 33607633 | xxxxxx | 06/12/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included. The Seller, xxxxxx, is missing. |  | Reviewer Comment (2025-06-23): Received updated fraud report. Fraud and OFAC search run on the seller. Exception cleared. | 06/23/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838538 | xxxxxx | 33608859 | xxxxxx | 06/12/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Mortgage for property located on xxxxxx was not reported on the credit report. Need proof of 12 month payments. |  | Reviewer Comment (2025-06-18): Received bank statement reflecting the mortgage payments. Exception cleared. | 06/18/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838538 | xxxxxx | 33626897 | xxxxxx | 06/12/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | City does not match |  | Reviewer Comment (2025-06-20): Updated HOI provided | 06/20/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838538 | xxxxxx | 33725025 | xxxxxx | 06/23/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Loan amount > $2MIL requires two appraisals. 1 appraisal provided. |  | Reviewer Comment (2025-06-25): Additional appraisal provided | 06/25/2025 |  |  | 1 A |  | A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838560 | xxxxxx | 33728108 | xxxxxx | 06/27/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.54390% or Final Disclosure APR of 9.60300% is equal to or greater than the threshold of APOR 6.87% + 1.5%, or 8.37000%. Non-Compliant Higher Priced Mortgage Loan. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation |  | Reviewer Comment (2025-07-01): Delivery provided | 07/01/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838560 | xxxxxx | 33728109 | xxxxxx | 06/27/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2025-07-01): Delivery provided | 07/01/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838560 | xxxxxx | 33728124 | xxxxxx | 06/27/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-07-01): Received E-Sign Consent Agreement. Exception cleared. | 07/01/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838560 | xxxxxx | 33731277 | xxxxxx | 06/27/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Does not reflect ISAOA |  | Reviewer Comment (2025-07-01): Confirmation of insurance page provided with ISAOA. | 07/01/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838560 | xxxxxx | 33731315 | xxxxxx | 06/27/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | 12 month Bank statement loan. Bank statements used for income were a combination of co-mingled personal accounts (xxxxxx) and 1st business account (xxxxxx) for 5 months from May 2024 - xxxxxx now currently using business account (xxxxxx) from xxxxxx xxxxxx 3 sets used to make up 12 months which guidelines do not say is allowed. LOE from borrower was provided. |  | Reviewer Comment (2025-06-30): Per client email provided, they indicated their guidelines do not state utilizing multiple statements to make up 12 months and to utilize this directive going forward. Requested clearance.<br>Reviewer Comment (2025-06-30): The guidelines do not state using multiple accounts to make up 12 months is acceptable. | 06/30/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838560 | xxxxxx | 33765491 | xxxxxx | 06/27/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $165.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7505) |  |  | Reviewer Comment (2025-06-25): Sufficient Cure Provided At Closing |  | 06/25/2025 |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 838560 | xxxxxx | 33765492 | xxxxxx | 06/27/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $259.00 exceeds tolerance of $223.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  | Reviewer Comment (2025-06-25): Sufficient Cure Provided At Closing |  | 06/25/2025 |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 838560 | xxxxxx | 33765493 | xxxxxx | 06/27/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $300.00 exceeds tolerance of $250.00. Sufficient or excess cure was provided to the borrower at Closing. (7552) |  |  | Reviewer Comment (2025-06-25): Sufficient Cure Provided At Closing |  | 06/25/2025 |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 838583 | xxxxxx | 33724865 | xxxxxx | 06/27/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  |  |  | Reviewer Comment (2025-06-30): Final signed closing statement provided | 06/30/2025 |  |  | 1 D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 838583 | xxxxxx | 33725730 | xxxxxx | 06/27/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception in file: Subject property is less than xxxxxx and is xxxxxx without a xxxxxx. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-25): Client elects to waive with verified compensation factors |  |  | 06/25/2025 | 2 B | B | B | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 838583 | xxxxxx | 33729904 | xxxxxx | 06/27/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 5.40 is less than Guideline PITIA months reserves of 6.00. |  |  | Reviewer Comment (2025-06-30): Final signed closing statement provided. Borrower has sufficient reserve based on reduced cash to close. | 06/30/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 838606 | xxxxxx | 33529899 | xxxxxx | 06/03/2025 | Compliance | Compliance | State Compliance | State Defect | xxxxxx 50(a)(6)) xxxxxx Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided Timely) | xxxxxx Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not signed by lender at or before closing. | Acknowledgment of the Fair Market Value not signed by lender at or before closing. |  | Reviewer Comment (2025-06-13): Deliver to the borrower the required disclosure documents, LOE to borrower and evidence of delivery to borrower provided<br>Reviewer Comment (2025-06-11): Received LOE to borrower and mailing label. Tracking only reflects label created. Must reflect at minimum in transit.<br>Reviewer Comment (2025-06-06): The same document was provided that was in file at time of review. Lender signed disclosure post close. To cure: Provide the signed disclosure to the borrower, LOE to borrower and evidence of delivery to the borrower. |  | 06/13/2025 |  | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. B C A | C | B D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838606 | xxxxxx | 33529939 | xxxxxx | 06/03/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-06-06): CDA received<br>Reviewer Comment (2025-06-04): CDA will be ordered | 06/06/2025 |  |  | 1 D A | D | A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | C | B D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838606 | xxxxxx | 33555303 | xxxxxx | 06/03/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | AUS in file is dated post-close. Provide the pre-close AUS. |  | Reviewer Comment (2025-06-06): Preclose AUS provided | 06/06/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | C | B D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838606 | xxxxxx | 33577200 | xxxxxx | 06/04/2025 | Property | Valuation | General | Valuation | Valuation Product pending |  | xxxxxx / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  | Reviewer Comment (2025-06-06): CDA received<br>Reviewer Comment (2025-06-06): Valuation Received - xxxxxx  | 06/06/2025 |  |  | 1 A |  | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | C | B D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838665 | xxxxxx | 33677119 | xxxxxx | 06/23/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $206.60 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  | Reviewer Comment (2025-06-17): Sufficient Cure Provided At Closing |  | 06/17/2025 |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838665 | xxxxxx | 33717154 | xxxxxx | 06/23/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | A third-party VOR is required for any file when the borrower is currently renting. Borrower pay history and lease provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-07-01): Client elects to waive with verified compensation factors |  |  | 07/01/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838666 | xxxxxx | 33629578 | xxxxxx | 06/17/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification, Other, Tax Verification | Provide evidence the property is free and clear as well as provide evidence of taxes and insurance/xxxxxx maintenance fees. |  | Reviewer Comment (2025-06-26): Received xxxxxx search to verify the property type. Exception cleared.<br>Reviewer Comment (2025-06-24): Received xxxxxx maintaining fee, taxes are included and Hazard Insurance. Provide Property History Report to verify the property type. Exception remains.<br>Reviewer Comment (2025-06-19): Condition cannot be waived. Provide the property profile report to support property is a xxxxxx residence and why type of xxxxxxl property. Schedule E is not acceptable as they are borrower prepared. | 06/26/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838666 | xxxxxx | 33629852 | xxxxxx | 06/17/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx P&L Statement, Tax Return Extension, Third Party Verification | 1) YTD P&L and 2024 gap P&L not provided for Schedule C business. Last tax return in file is 2023. 2) Provide the 2024 extension for the Schedule C business 3) Provide the YTD P&L for the Partnership LLC 4) Existence of the borrower's business is to be verified within 90 days prior to the Note date, through one of the following for the Partnership LLC: Third party verification from licensed tax preparer, regulatory agency, or applicable licensing bureau, or Internet screenshot displaying the phone listing and address verification of the borrower's business, or A business bank statement dated within 90 days of the Note date for income used in qualification. |  | Reviewer Comment (2025-06-25): Received updated 1003/1008 removing partnership income and received updated YTD and received gap P&L's signed and dated by the borrowers. See added separate exception for tax liability.<br>Reviewer Comment (2025-06-24): 1) Received gap P&L for 2024 and YTD 2025 for Schedule C, however 2025 is through xxxxxx . Application date is xxxxxx . P&L needs to be through xxxxxx per guidelines (YTD P&L up to one month prior to application). 2) Received 2024 personal tax return extension with amount owed of $xxxxxx. Evidence debt has been paid or borrower is on a payment plan that would need to be added to DTI is required. 3) No documentation was provided for the partnership per the original condition. If income is being removed, then provide the updated 1008/1003 which still reflects the partnership income.<br>Reviewer Comment (2025-06-19): Received Tax Return Extension. However received CPA letter is for the Sole Proprietor income. However Existence of the borrower's business is to be verified within 90 days prior to the Note date is for the Partnership Income. The following documents are missing: 1) YTD P&L and 2024 gap P&L not provided for Schedule C business. Last tax return in file is 2023. 2) Provide the 2024 extension for the Schedule C business 3) Provide the YTD P&L for the Partnership LLC 4) Existence of the borrower's business is to be verified within 90 days prior to the Note date, through one of the following for the Partnership LLC: Third party verification from licensed tax preparer, regulatory agency, or applicable licensing bureau, or Internet screenshot displaying the phone listing and address verification of the borrower's business, or A business bank statement dated within 90 days of the Note date for income used in qualification. Exception remains. | 06/25/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838666 | xxxxxx | 33629866 | xxxxxx | 06/17/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Partnership Test | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Partnership status due to missing Tax Return/Transcript for the most recent year, and one of these docs is required yet missing: Audited/Third Party P&L, CPA Letter, or other Third Party Verification. xxxxxx/Partnership) | Existence of the borrower's business is to be verified within 90 days prior to the Note date, through one of the following for the Partnership LLC:<br> • Third party verification from licensed tax preparer, regulatory agency, or applicable licensing bureau, or<br> • Internet screenshot displaying the phone listing and address verification of the borrower's business, or<br> • A business bank statement dated within 90 days of the Note date for income used in qualification. |  | Reviewer Comment (2025-06-25): Received updated 1003/1008 removing partnership income and received updated YTD and received gap P&L's signed and dated by the borrowers.<br>Reviewer Comment (2025-06-24): No documentation was provided for the partnership per the original condition. If income is being removed, then provide the updated 1008/1003 which still reflects the partnership income.<br>Reviewer Comment (2025-06-19): Provide the updated 1008/1003 removing income. | 06/25/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838666 | xxxxxx | 33629879 | xxxxxx | 06/17/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Due to missing income documents |  | Reviewer Comment (2025-06-25): Received updated 1003/1008 removing partnership income and received updated YTD and received gap P&L's signed and dated by the borrowers.<br>Reviewer Comment (2025-06-24): 1) Received gap P&L for 2024 and YTD 2025 for Schedule C, however 2025 is through xxxxxx . Application date is xxxxxx . P&L needs to be through xxxxxx per guidelines (YTD P&L up to one month prior to application). 2) Received 2024 personal tax return extension with amount owed of $xxxxxx Evidence debt has been paid or borrower is on a payment plan that would need to be added to DTI is required. 3) No documentation was provided for the partnership per the original condition. If income is being removed, then provide the updated 1008/1003 which still reflects the partnership income. | 06/25/2025 |  |  | 1 B A C | C | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 838666 | xxxxxx | 33629880 | xxxxxx | 06/17/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to missing income documents |  | Reviewer Comment (2025-06-25): Received updated 1003/1008 removing partnership income and received updated YTD and received gap P&L's signed and dated by the borrowers. See added separate exception for tax liability.<br>Reviewer Comment (2025-06-24): 1) Received gap P&L for 2024 and YTD 2025 for Schedule C, however 2025 is through xxxxxx . Application date is xxxxxx . P&L needs to be through xxxxxx per guidelines (YTD P&L up to one month prior to application). 2) Received 2024 personal tax return extension with amount owed of $xxxxxx. Evidence debt has been paid or borrower is on a payment plan that would need to be added to DTI is required. 3) No documentation was provided for the partnership per the original condition. If income is being removed, then provide the updated 1008/1003 which still reflects the partnership income. | 06/25/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838666 | xxxxxx | 33629881 | xxxxxx | 06/17/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Due to missing income documents |  | Reviewer Comment (2025-06-25): Received updated 1003/1008 removing partnership income and received updated YTD and received gap P&L's signed and dated by the borrowers. | 06/25/2025 |  |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838666 | xxxxxx | 33629882 | xxxxxx | 06/17/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xxxxxx , Most Recent Tax Return End Date xxxxxx , Tax Return Due Date xxxxxx . xxxxxx/Schedule C) | 2023 tax returns only provided for Schedule C business. |  | Reviewer Comment (2025-06-16): Client elects to waive |  |  | 06/16/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838666 | xxxxxx | 33780947 | xxxxxx | 06/25/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Received 2024 personal tax return extension with amount owed of $xxxxxx Evidence debt has been paid or borrower is on a payment plan that would need to be added to DTI is required. |  | Reviewer Comment (2025-06-27): Per client email, stated their guidelines do not technically require proof of payment for taxes owed unless it is a lien as well as where debt was charged on xxxxxx no new personal debt per the gap report pulled xxxxxx was noted and more than like the xxxxxx card is a business card. Requested clearance. For conservative purposes, removed debt from assets in the event of a 30 day xxxxxx account which is allowed per guidelines.<br>Reviewer Comment (2025-06-26): Cancelled checks provided for $xxxxxxMIL federal debt. Another receipt was provided showing the borrower charged $xxxxxx for the state debt which also resulted in a $7,700 convenience fee. The only xxxxxx account on the borrower's credit report is a revolving account but does not end in xxx3000 with a credit balance of $8,200. Investor to advise. | 06/27/2025 |  |  | 1 A |  | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838671 | xxxxxx | 33799699 | xxxxxx | 07/02/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for AVM Fee. Fee Amount of $120.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7514) |  |  | Reviewer Comment (2025-06-27): Sufficient Cure Provided At Closing |  | 06/27/2025 |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Final CD evidences Cure A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838677 | xxxxxx | 33641090 | xxxxxx | 06/18/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet Fitch criteria. Sec ID: 10 | Note date: xxxxxx; Lien Position: 1 |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-17): Client elects to waive |  |  | 06/17/2025 | 2 A D | A | A | xxxxxx | xxxxxx | Investment | Purchase | D C A | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 838677 | xxxxxx | 33674442 | xxxxxx | 06/18/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | There is an executed Inter xxxxxx in file for the subject property, however, page 2 of the DOT does not reflect this rider is included. Provide the corrected and executed DOT to include the rider, LOE to borrower, evidence of delivery to the borrower and lender's letter of intent to re-record. |  | Reviewer Comment (2025-06-27): LOE to borrower and evidence of delivery to borrower provided<br>Reviewer Comment (2025-06-26): Received recorded xxxxxx affidavit to include the rider. Pending receipt of LOE to borrower & evidence of delivery to borrower. | 06/27/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D C A | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 838740 | xxxxxx | 33674247 | xxxxxx | 06/19/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification | Please provide evidence of Ins for primary residence. Property is financed. |  | Reviewer Comment (2025-06-25): HOI provided. Covered by an xxxxxx at no cost to borrower per document provided. | 06/25/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838752 | xxxxxx | 33677187 | xxxxxx | 06/23/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  | Reviewer Comment (2025-06-27): Later dated commitment page provided with updated amount | 06/27/2025 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 838752 | xxxxxx | 33677983 | xxxxxx | 06/23/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report and OFAC not run on seller, xxxxxx, signer for xxxxxx. |  | Reviewer Comment (2025-06-30): Received updated Fraud Report. Fraud and OFAC search run on the seller. Exception cleared. | 06/30/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 838752 | xxxxxx | 33714269 | xxxxxx | 06/23/2025 | Credit | Asset | Asset Eligibility | Asset | Borrower has gift funds which are ineligible per guidelines. | Financial Institution: xxxxxx // Account Type: Gift Funds / Account Number: xxxx | Gift funds not allowed on Foreign Nationals. EMD received via Gift. |  | Reviewer Comment (2025-06-27): Per the settlement statement no EMD received. Removed from qualifying as not needed.<br>Reviewer Comment (2025-06-24): You need to evidence that the title company refunded the gift funds as these were the EMD sent to title. | 06/27/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 838761 | xxxxxx | 33612506 | xxxxxx | 06/13/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7505) | Cure nor valid COC provided. COC only states desk review fee was added. |  | Reviewer Comment (2025-06-26): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check. |  | 06/26/2025 |  | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838761 | xxxxxx | 33618055 | xxxxxx | 06/13/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Statement | Borrower borrowed $350K on xxxxxx against property on xxxxxx stmt in file. Need proof of this monthly payment. |  | Reviewer Comment (2025-06-19): Received First payment letter proof of monthly payment. Exception cleared. | 06/19/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838761 | xxxxxx | 33638352 | xxxxxx | 06/13/2025 | Property | Property - Appraisal | Appraisal Data Integrity | Property - Appraisal | Appraiser's license or certification was not active at the time of the appraisal. |  | The license attached to the appraisal reflects expired on xxxxxx . Appraisal was completed xxxxxx . Provide a copy of the appraiser's current license that reflect active through completion of report. |  | Reviewer Comment (2025-06-19): License provided | 06/19/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838776 | xxxxxx | 33609144 | xxxxxx | 06/06/2025 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.08087% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .08087%). | Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx exceeds maximum allowable an investor allowable total of xxxxxx. The variance is xxxxxx. |  | Reviewer Comment (2025-06-06): Client elects to waive |  |  | 06/06/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | B | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 838841 | xxxxxx | 33638246 | xxxxxx | 06/17/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-06-16): Client elects to waive |  |  | 06/16/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838841 | xxxxxx | 33638248 | xxxxxx | 06/17/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan allows for Partial Payments. (Final xxxxxx) | Loan Disclosures section (page 4) - Partial Payments, both options, may hold and does not accept is selected. |  | Reviewer Comment (2025-06-27): SitusAMC received Letter of Explanation & Corrected Closing Disclosure. |  | 06/27/2025 |  | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838841 | xxxxxx | 33655234 | xxxxxx | 06/17/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxxxx disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. (Final xxxxxx) | Final CD is marked Other: Fire Insurance. |  | Reviewer Comment (2025-06-16): Client elects to waive |  |  | 06/16/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | Good Faith Redisclosure C B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838841 | xxxxxx | 33655333 | xxxxxx | 06/17/2025 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Transfer letter not in file and appraisal is in another lender's name. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-16): Client elects to waive |  |  | 06/16/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838841 | xxxxxx | 33668599 | xxxxxx | 06/17/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | VOR is from a private/non-institutional landlord. Provide 6 months cancelled checks. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-27): Client elects to waive with verified compensation factors |  |  | 06/27/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839323 | xxxxxx | 33716939 | xxxxxx | 06/25/2025 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Higher Priced as Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). If tested as primary residence, loan exceeds one or more HPML thresholds. Additional compliance testing required to determine if loan would be a compliant or non-compliant HPML. | Initial 1003, dec page, reflects intent to occupy. |  | Reviewer Comment (2025-06-24): Client elect to waive |  |  | 06/24/2025 | 2 B | B | B | xxxxxx | xxxxxx | Investment | Purchase | B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 839336 | xxxxxx | 33715660 | xxxxxx | 06/25/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-06-26): Approval provided | 06/26/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839336 | xxxxxx | 33715882 | xxxxxx | 06/25/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Preliminary in file. |  |  | Reviewer Comment (2025-06-26): Supplement provided | 06/26/2025 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839336 | xxxxxx | 33716288 | xxxxxx | 06/25/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial xxxxxx) |  |  | Reviewer Comment (2025-06-27): SitusAMC received e-consent for initial LE. | 06/27/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839336 | xxxxxx | 33716687 | xxxxxx | 06/25/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2025-06-27): UDM provided | 06/27/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839336 | xxxxxx | 33716888 | xxxxxx | 06/25/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  | Reviewer Comment (2025-06-23): Client elects to waive |  |  | 06/23/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839336 | xxxxxx | 33725857 | xxxxxx | 06/25/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  |  |  | Reviewer Comment (2025-06-27): Tax Certs provided. Utilized 1.25% per guidelines and is higher than taxes reflected on certs.<br>Reviewer Comment (2025-06-26): The tax cert with tax rate are still required to ensure the county does not have a higher tax rate or any additional taxes that need to be included. | 06/27/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839336 | xxxxxx | 33725918 | xxxxxx | 06/25/2025 | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | Initial 1003 not provided. Application date captured from Fraud Report. |  | Reviewer Comment (2025-06-23): Client elects to waive |  |  | 06/23/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839358 | xxxxxx | 33681384 | xxxxxx | 06/23/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Missing Green Card (Form I-551) for evidence of employment authorization. Initial application shows xxxxxx Citizen but final signed application shows Permanent Resident Alien. |  | Reviewer Comment (2025-06-30): Received Permanent Resident Alien card. Exception cleared. | 06/30/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839358 | xxxxxx | 33681437 | xxxxxx | 06/23/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-06-20): Client elects to waive |  |  | 06/20/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839358 | xxxxxx | 33681440 | xxxxxx | 06/23/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | The file only contained the final closing disclosure. Please provide the initial and any subsequent CD's (if applicable) issued to the borrower for review. |  | Reviewer Comment (2025-07-01): SitusAMC received xxxxxx Initial CD, 3 business days prior to the consummation. | 07/01/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839358 | xxxxxx | 33684406 | xxxxxx | 06/23/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor's for the seller, xxxxxx, were not included in the report. |  | Reviewer Comment (2025-06-30): Received updated Fraud Report. Fraud & OFAC searched ran on authorized signor's for the seller, xxxxxx and xxxxxx. Exception cleared. | 06/30/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839368 | xxxxxx | 33638756 | xxxxxx | 06/18/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-06-18): Client elects to waive |  |  | 06/18/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | B A | B | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839370 | xxxxxx | 33707377 | xxxxxx | 06/24/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | A third-party VOR is required for any file when the borrower is currently renting. 12 month canceled checks were provided for payment history only on the borrower's primary residence. |  | Reviewer Comment (2025-07-02): Received VOR for borrower's primary residence. Exception cleared. | 07/02/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839370 | xxxxxx | 33707405 | xxxxxx | 06/24/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included. Signor for the seller, xxxxxx, was not included. |  | Reviewer Comment (2025-06-26): Received updated fraud report. Fraud and OFAC search run on the seller. Exception cleared. | 06/26/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839440 | xxxxxx | 33600781 | xxxxxx | 06/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $786,476.97 is over disclosed by $130.00 compared to the calculated Amount Financed of $786,346.97 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed an amount financed of $1,072,600.17; calculated amount financed is $1,072,730.17. Variance is -$130.00. |  | Reviewer Comment (2025-06-17): SitusAMC received statement of fee purpose. | 06/17/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | A D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 839440 | xxxxxx | 33600782 | xxxxxx | 06/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $1,072,600.17 is under disclosed by $130.00 compared to the calculated Finance Charge of $1,072,730.17 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed a finance charge of $1,072,600.17; calculated finance charge is $1,072,730.17. Variance is -$130.00. |  | Reviewer Comment (2025-06-17): SitusAMC received statement of fee purpose. | 06/17/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | A D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 839440 | xxxxxx | 33600783 | xxxxxx | 06/11/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $780.00 exceeds tolerance of $620.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  | Reviewer Comment (2025-06-06): Sufficient Cure Provided At Closing |  | 06/06/2025 |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | C | A D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 839440 | xxxxxx | 33600811 | xxxxxx | 06/11/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-06-16): CDA received<br>Reviewer Comment (2025-06-12): CDA will be ordered | 06/16/2025 |  |  | 1 D A | D | A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A C | C | A D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839440 | xxxxxx | 33600837 | xxxxxx | 06/11/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-06-16): E-consent provided | 06/16/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A C | C | A D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839440 | xxxxxx | 33641500 | xxxxxx | 06/12/2025 | Property | Valuation | General | Valuation | Valuation Product pending |  | xxxxxx / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  | Reviewer Comment (2025-06-16): CDA received<br>Reviewer Comment (2025-06-13): Valuation Received - xxxxxx  | 06/16/2025 |  |  | 1 A |  | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A C | C | A D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839440 | xxxxxx | 33670827 | xxxxxx | 06/16/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial xxxxxx) |  |  | Reviewer Comment (2025-06-25): SitusAMC received disclosure summary suffice.<br>Reviewer Comment (2025-06-17): Row 30 TRID GRID 4.0: If dated e-consent is in file, TPR will evaluate and cite any TRID timing exceptions resulting from e-disclosures provided prior to e-consent date. If the borrower does not provide e-consent within the disclosure timing period, disclosure will not be considered to be sent timely even if provided/e-mailed by creditor within the delivery timeframe (19(e)(1)(iv)-2)). Example: A loan with xxxxxx app date, initial LE e-mailed by creditor on xxxxxx borrower opened email and provided e-consent on xxxxxx and viewed LE on same day, would generate an initial LE 3-day timing exception unless creditor provides evidence that disclosures were provided in a different manner (mail or in person) in accordance with the timing requirements of § 1026.19(e)(1)(iii).As noted in the regulations, if electronic delivery of the Initial LE is missing the e-consent within 3 business days of application, but lender can provide that other evidence the disclosures were provided to borrower by another method (such as mail or in person) within the 3 business days, that would meet the timing requirements. The LE was received by the borrower and on xxxxxx along with the e-consent. No documentation in current loan file indicates the initial LE was sent earlier. Please provide documentation of mailing or earlier receipt if available. This is a timing exception with no visible cure.<br>Reviewer Comment (2025-06-16): E-consent received post-review | 06/25/2025 |  |  | 1 A |  | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A C | C | A D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839481 | xxxxxx | 33631626 | xxxxxx | 06/17/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2025-06-18): FTP provided | 06/18/2025 |  |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | D | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839481 | xxxxxx | 33631878 | xxxxxx | 06/17/2025 | Compliance | Compliance | State Compliance | State Defect | (xxxxxx 50(a)(6)) xxxxxx Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) | xxxxxx Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender. |  |  | Reviewer Comment (2025-06-20): Received signed lender disclosure, LOE to borrower and evidence of delivery to borrower<br>Reviewer Comment (2025-06-19): The lender signed the disclosure post-close. To cure, provide the completed signed disclosure to the borrower, LOE to borrower and evidence of delivery to the borrower. |  | 06/20/2025 |  | 2 C B | C | B D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. B C | D | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 839481 | xxxxxx | 33631880 | xxxxxx | 06/17/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $8,467.00 exceeds tolerance of $7,213.00 plus 10% or $7,934.30. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx |  |  | Reviewer Comment (2025-06-11): Sufficient Cure Provided At Closing |  | 06/11/2025 |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | D | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 839481 | xxxxxx | 33668174 | xxxxxx | 06/17/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. Judgment on title payoff was good through xxxxxx , however loan did not close and debt was not paid off until xxxxxx . |  | Reviewer Comment (2025-06-18): Clear FTP provided | 06/18/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | D | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839496 | xxxxxx | 33619231 | xxxxxx | 06/16/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 673 is less than Guideline representative FICO score of 680. | Per investor overlays to lender guidelines, minimum FICO for C/O is 680. < 680 C/O is not acceptable. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-06-17): Client elects to waive with verified compensation factors |  |  | 06/17/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 839497 | xxxxxx | 33581853 | xxxxxx | 06/10/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-06-12): Received E-Sign Consent Agreement. Exception cleared. | 06/12/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839497 | xxxxxx | 33581913 | xxxxxx | 06/10/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-06-13): Supplement provided | 06/13/2025 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | D B | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839497 | xxxxxx | 33581928 | xxxxxx | 06/10/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Provide full Fraud Report. All parties to the transaction must be included in the Fraud and OFAC searches. |  | Reviewer Comment (2025-06-12): Received full Fraud Report. All parties to the transaction are included in the Fraud and OFAC searches. Exception cleared. | 06/12/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839497 | xxxxxx | 33581936 | xxxxxx | 06/10/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Provide sales contract addendum to reflect final sales price changed to xxxxxx. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-25): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-17): Investor to advise if they are accepting escrow instructions for updates to purchase contract in lieu of extension to purchase contract. The lender also requested a waiver. Assigned to investor.<br>Reviewer Comment (2025-06-17): Please do not respond back to conditions assigned to the investor as this assigns it back to the diligence firm. If you need a status on a waive, reach out to the investor direct. Re-assigning loan back to investor.<br>Reviewer Comment (2025-06-13): Investor to advise if they are accepting escrow instructions for updates to purchase contract in lieu of extension to purchase contract. Assigned to investor.<br>Reviewer Comment (2025-06-12): Condition cannot be waived. Escrow instructions are not acceptable in lieu of purchase contract/purchase contract extensions. Guidelines also do not reflect escrow instructions can be used in lieu of. |  |  | 06/25/2025 | 2 D B | D | B D | xxxxxx | xxxxxx | Primary | Purchase | D B | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839497 | xxxxxx | 33581980 | xxxxxx | 06/10/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-06-09): Client elects to waive |  |  | 06/09/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | D B | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839497 | xxxxxx | 33609850 | xxxxxx | 06/10/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Provide evidence of gift funds for $150,000. A PC-CD is not acceptable. |  | Reviewer Comment (2025-06-16): Received Gift Letter. Exception cleared.<br>Reviewer Comment (2025-06-12): Received Wire Confirmation reflects received from name as xxxxxx. However, gift letter reflects donor name as xxxxxx. Please provide updated gift letter to reflect the correct donor name along with all the required details. Exception remains. | 06/16/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839511 | xxxxxx | 33668164 | xxxxxx | 06/20/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | REO property on xxxxxx - Received 10 months pay history from xxxxxx. Guidelines required 12 month pay history. New loan xxxxxx Please provide VOM for the initial loan at acquisition of xxxxxx on xxxxxx (not reporting on borrowers credit report). |  | Reviewer Comment (2025-07-02): Received VOM and 6 months of borrower's payment. Exception cleared.<br>Reviewer Comment (2025-06-23): All mortgage liens need a 12 month mortgage history. There is only 10 months provided. The guidelines also state mortgage liens require a 12 month housing history. | 07/02/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839555 | xxxxxx | 33676036 | xxxxxx | 06/23/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  | Reviewer Comment (2025-06-30): Articles provided | 06/30/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839555 | xxxxxx | 33676040 | xxxxxx | 06/23/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 2.00. |  |  | Reviewer Comment (2025-06-30): Updated bank statement provided with increased assets. | 06/30/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839555 | xxxxxx | 33676049 | xxxxxx | 06/23/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception in file for the sq ft on property is xxxxxx and requirement is 500 sq ft, however comp factors are incorrect. DSCR is not > 1.30 and reserves are not 10 or more above the requirement. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-24): Client elects to waive with verified compensation factors |  |  | 06/24/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839555 | xxxxxx | 33676059 | xxxxxx | 06/23/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $47,599.16 is less than Cash From Borrower $55,351.09. |  |  | Reviewer Comment (2025-06-30): Updated bank statement provided with increased assets. | 06/30/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839779 | xxxxxx | 33734456 | xxxxxx | 06/30/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 1.08 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.25. | Loan amount < $150,000, requires a minimum 1.25 DSCR. Investor exception in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Experienced investor owns and manages 1 or more properties for 12 months. | Reviewer Comment (2025-06-27): Client elects to waive with verified compensation factors |  |  | 06/27/2025 | 2 B | B | B | xxxxxx | xxxxxx | Investment | Purchase | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839779 | xxxxxx | 33734457 | xxxxxx | 06/30/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 70.00000%. | Loan amount < $150,000, max LTV is 70% on a purchase. Investor exception in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Experienced investor owns and manages 1 or more properties for 12 months. | Reviewer Comment (2025-06-27): Client elects to waive with verified compensation factors |  |  | 06/27/2025 | 2 B | B | B | xxxxxx | xxxxxx | Investment | Purchase | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839931 | xxxxxx | 33632495 | xxxxxx | 06/17/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-06-23): Received Title Supplement. Exception cleared. | 06/23/2025 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839931 | xxxxxx | 33632658 | xxxxxx | 06/17/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $1,284.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7349) | Cure nor valid COC provided |  | Reviewer Comment (2025-06-24): SItusAMC received a valid COC. | 06/24/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 839931 | xxxxxx | 33668950 | xxxxxx | 06/17/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Provide evidence of receipt of the gift funds for $120,000. Listed on PC-CD which is a lender generated document and not acceptable. Provide the wire transfer to title or final stamped settlement statement to support title company received funds. |  | Reviewer Comment (2025-06-24): Received Deposit Receipt and Wire Confirmation for gift funds. Exception cleared. | 06/24/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839934 | xxxxxx | 33674749 | xxxxxx | 06/20/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification |  |  | Reviewer Comment (2025-06-27): HOI provided | 06/27/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839934 | xxxxxx | 33709285 | xxxxxx | 06/20/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. There is pending court action on title. |  | Reviewer Comment (2025-06-26): Title supplement provided removing item. | 06/26/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839934 | xxxxxx | 33709320 | xxxxxx | 06/20/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | There is a PC-CD in file that reflects an outstanding tax lien was paid that is not on the Final CD. Provide the Final Stamped Settlement Statement to support the lien was paid at closing. |  | Reviewer Comment (2025-06-24): Final stamped closing statement provided reflecting paid through closing | 06/24/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839942 | xxxxxx | 33671245 | xxxxxx | 06/20/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-06-19): Client elects to waive |  |  | 06/19/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839947 | xxxxxx | 33628985 | xxxxxx | 06/17/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2025-06-26): Received Business Purpose Certificate. Exception cleared.<br>Reviewer Comment (2025-06-24): Please provide borrower's initial on updated Business Purpose Certificate to verify that the changes was done by borrower. Exception remains.<br>Reviewer Comment (2025-06-23): Received Business Purpose Certificate which is an altered document. The font is not same throughout the document. Kindly provide updated Business Purpose Certificate. Exception remains.<br>Reviewer Comment (2025-06-18): Received Business Purpose Certificate is missing information on Section 1, that is Loan amount and Property Address. Exception remains. | 06/26/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839947 | xxxxxx | 33628990 | xxxxxx | 06/17/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, signor for the seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-06-18): Received updated Fraud Report. Fraud and OFAC search run on the seller. Exception cleared. | 06/18/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839947 | xxxxxx | 33661859 | xxxxxx | 06/17/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the updated mortgage history for the primary residence. Housing history must be within 45 days of application date. DLA xxxxxx . Application date xxxxxx . |  | Reviewer Comment (2025-06-20): Received credit supplement report with DLA xxxxxx xxxxxx. Exception cleared. | 06/20/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839948 | xxxxxx | 33609925 | xxxxxx | 06/13/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2025-06-16): Received Credit Report - Gap. Exception cleared. | 06/16/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839954 | xxxxxx | 33665265 | xxxxxx | 06/20/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.94 is less than Guideline PITIA months reserves of 2.00. | Per guidelines, gift funds cannot be used for reserves. Cash to close is calculated as funds to close + POCB fees + EMD + any adjustments/gifts/1031 on the Final CD. Cash to close required total = $105,431.22 - assets verified (including gifts and EMD) $106,631.44 = $1,200.22 remaining or 0.60 months reserves. |  | Reviewer Comment (2025-06-27): Additional asset statement provided<br>Reviewer Comment (2025-06-24): POCB provided for appraisal. New reserve count is 0.94 months or $1,875.22. Post-close assets would not be acceptable. Borrower needed sufficient reserves at or prior to closing.<br>Reviewer Comment (2025-06-24): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Calculated PITIA months reserves of 0.60 is less than Guideline PITIA months reserves of 2.00.<br>Reviewer Comment (2025-06-23): Received funds to close in the amount of $37,756.22 that came from xxxxxx account post statement. Remaining reserves are $1,200.22 still or 0.60 months reserves. Please reference the original condition for how cash to close is calculated. | 06/27/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839954 | xxxxxx | 33665287 | xxxxxx | 06/20/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, signor for seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-06-24): Received updated Fraud Report. Fraud and OFAC search run on the seller. Exception cleared. | 06/24/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839961 | xxxxxx | 33675138 | xxxxxx | 06/20/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Appraisal provided has a report date that is post closing. Please provided a pre-close appraisal. |  | Reviewer Comment (2025-06-24): Received pre-close appraisal. Exception cleared. | 06/24/2025 |  |  | 1 D A | D | A D | xxxxxx | xxxxxx | Primary | Purchase | D A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839961 | xxxxxx | 33708822 | xxxxxx | 06/20/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | Provide the updated statement for the 401K plan with xxxxxx. Per guidelines, asset documents cannot be > 60 days aged. Last statement date is xxxxxx . |  | Reviewer Comment (2025-06-24): Updated statement printout provided | 06/24/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839961 | xxxxxx | 33708885 | xxxxxx | 06/20/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-06-23): Received Title Supplement. Exception cleared. | 06/23/2025 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | D A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839966 | xxxxxx | 33674186 | xxxxxx | 06/18/2025 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | For cashout refinances, a listing expiration of less than six (6) months is permitted with a minimum prepayment penalty of three (3) years. Loan does not have a PPP. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Experienced investor owns and manages 1 or more properties for 12 months. | Reviewer Comment (2025-06-30): Client elects to waive with verified compensation factors |  |  | 06/30/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839980 | xxxxxx | 33733342 | xxxxxx | 06/30/2025 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date xxxxxx, Disbursement date: xxxxxx | Wet State: The Hazard Insurance Policy Effective Date is after the later of the note or transaction date. |  | Reviewer Comment (2025-07-03): Updated HOI provided<br>Reviewer Comment (2025-07-01): Condition cannot be waived. Please review the original condition. Wet States: The Hazard Insurance Policy Effective Date is after the later of the note or transaction date. Dry States only allow effective date at time of disbursement. | 07/03/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840169 | xxxxxx | 33716716 | xxxxxx | 06/17/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Appraisal report dated xxxxxx missing evidence of receipt. |  | Reviewer Comment (2025-06-17): Client elects to waive. |  |  | 06/17/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840182 | xxxxxx | 33734027 | xxxxxx | 06/25/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrowers must generally have a two-year history in their line of work. If a borrower has less than two years' self-employment, a lesser history with a minimum of one year may be acceptable provided the borrower has a minimum two years previous history in the same line of work. Borrower's other job is a xxxxxx. The Articles of Org for the Schedule C business reflects a start date of 8.10.2023 (or 1.85 years). This conflicts with the CPA letter that states borrower has been in the xxxxxx line of work for over 2 years. | Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-01): Client elects to waive with verified compensation factors. |  |  | 07/01/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840251 | xxxxxx | 33683820 | xxxxxx | 05/12/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception: Per the condo docs and HOA email there are xxxxxx units and one LLC owns xxxxxx of the units. Approved subject to a max LTV of 80% abd .50 add to price. Missing compensating factors to down grade and waive. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2025-05-14): Client elects to downgrade and waive using compensating factors <br> More than 12 months reserves <br> Long term employment <br> Minimal consumer debt |  |  | 05/14/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840437 | xxxxxx | 33696181 | xxxxxx | 06/23/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.54968% or Final Disclosure APR of 8.62500% is equal to or greater than the threshold of APOR 6.92% + 1.5%, or 8.42000%. Non-Compliant Higher Priced Mortgage Loan. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  | Reviewer Comment (2025-06-25): Appraisal delivery provided | 06/25/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840437 | xxxxxx | 33696182 | xxxxxx | 06/23/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2025-06-25): Appraisal delivery provided | 06/25/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840437 | xxxxxx | 33718362 | xxxxxx | 06/23/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Reflects xxxxxx ISAOA |  | Reviewer Comment (2025-06-25): Updated HOI provided | 06/25/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840667 | xxxxxx | 33707448 | xxxxxx | 06/25/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-06-26): Received Title Preliminary Report reflecting liability amount. Exception cleared. | 06/26/2025 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840667 | xxxxxx | 33708455 | xxxxxx | 06/25/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report and OFAC not run on seller, xxxxxx. |  | Reviewer Comment (2025-06-26): Received updated fraud report. Fraud and OFAC search run on the seller. Exception cleared. | 06/26/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840667 | xxxxxx | 33713154 | xxxxxx | 06/25/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Large deposits were not sourced and/or letter of explanation was not provided. |  | The VOD in file reflects total credits of $84,342.19. Guidelines require source of large deposits for the following: Non-Permanent resident large deposit greater than 100% of the borrower's qualifying income must be sourced. The qualifying income is $18,716.60. Provide source of large deposits/breakdown of transaction to determine if sourcing is needed. |  | Reviewer Comment (2025-06-30): Received Bank Statement from xxxxxx which meets the reserve requirement. Therefore consider 0% usability for xxxxxx account. Also received 1003 and 1008. Exception cleared. | 06/30/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |

---

## Exhibit 99.4

**EXHIBIT 99.4**

**AMC Rating Agency Grades**

![](tm2521783d1_ex99-04img01.jpg)

**Rating Agency Grades**

---

| | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |  |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Deal Number** | **Original Loan Amount** | **Moody's** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Moody's** | **Moody's** | **Moody's** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Moody's** | **Moody's** | **Scope** |
| xxxxxx | 814870 | xxxxxx | xxxxxx | xxxxxx C | N/A C | C | C | C | N/A | C A | N/A C | N/A C B | N/A B | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 816048 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 828059 | xxxxxx | xxxxxx | xxxxxx D | D | C | C | C | C | C A | A D | D B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 828231 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 828644 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A C | C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 829540 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 829835 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 830173 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 831005 | xxxxxx | xxxxxx | xxxxxx C | N/A C | A | A | A | N/A | A | N/A C | N/A C B | N/A B | A | A | A | N/A | A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 831020 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 831138 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 831396 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 831574 | xxxxxx | xxxxxx | xxxxxx B | B | A | A | A | A | A | A B | B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 831588 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 831759 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 831857 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 831883 | xxxxxx | xxxxxx | xxxxxx C | N/A C | C | C | C | N/A | C A | N/A C | N/A C B | N/A B | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 832315 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 832336 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 832434 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A D | D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 832523 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 832635 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 832686 | xxxxxx | xxxxxx | xxxxxx D | N/A D | C | C | C | N/A | C A | N/A D | N/A D | N/A | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 832705 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 832712 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 832796 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 832800 | xxxxxx | xxxxxx | xxxxxx C | C D | N/A | N/A | N/A | N/A | N/A | A C | C D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 832818 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 832874 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 832967 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 833034 | xxxxxx | xxxxxx | xxxxxx D | N/A D | A | A | A | N/A | A | N/A D | N/A D B | N/A B | A | A | A | N/A | A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 833247 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 833258 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 833282 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 833410 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 833439 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 833457 | xxxxxx | xxxxxx | xxxxxx C | N/A C | A | A | A | N/A | A | N/A C | N/A C | N/A | A | A | A | N/A | A | N/A | N/A | Mortgagor Focused |
| xxxxxx | 833490 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 833491 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 833524 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 833566 | xxxxxx | xxxxxx | xxxxxx C | C D | C | C | C | C | C A | A C | C D B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 833573 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 833670 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 833673 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 833697 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 833719 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 833726 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 833737 | xxxxxx | xxxxxx | xxxxxx C | N/A C | A | A | A | N/A | A | N/A C | N/A C | N/A | A | A | A | N/A | A | N/A | N/A | Mortgagor Focused |
| xxxxxx | 833761 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 833777 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 833827 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 833828 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 833846 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 833868 | xxxxxx | xxxxxx | xxxxxx A | N/A | C | C | C | N/A | C A | N/A C | N/A C | N/A | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 833907 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 834045 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 834132 | xxxxxx | xxxxxx | xxxxxx D | N/A D | C | C | C | N/A | C A | N/A D | N/A D | N/A | A | A | A | N/A | A | N/A | N/A | Mortgagor Focused |
| xxxxxx | 834143 | xxxxxx | xxxxxx | xxxxxx C | N/A C | C | C | C | N/A | C A | N/A C | N/A C | N/A | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 834156 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C D | D | D A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 834237 | xxxxxx | xxxxxx | xxxxxx C | C D | A | A | A | A | A | A C | C D B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 834239 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 834248 | xxxxxx | xxxxxx | xxxxxx C | C D | A | A | A | A | A | A C | C D A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 834309 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C D | D | D B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 834364 | xxxxxx | xxxxxx | xxxxxx B | B | C | C | C | C | C A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 834378 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 834381 | xxxxxx | xxxxxx | xxxxxx C | N/A C | C | C | C | N/A | C A | N/A C | N/A C | N/A | A | A | A | N/A | A | N/A | N/A | Mortgagor Focused |
| xxxxxx | 834384 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 834403 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 834416 | xxxxxx | xxxxxx | xxxxxx C | N/A C | C | C | C | N/A | C A | N/A C | N/A C | N/A | A | A | A | N/A | A | N/A | N/A | Mortgagor Focused |
| xxxxxx | 834423 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 834428 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 834433 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 834447 | xxxxxx | xxxxxx | xxxxxx C | N/A C | C | C | C | N/A | C A | N/A C | N/A C | N/A | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 834496 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 834692 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 834768 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 834779 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 834857 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 834873 | xxxxxx | xxxxxx | xxxxxx C | N/A C | C | C | C | N/A | C B | N/A B C | N/A C B | N/A B | B | B | B | N/A | B | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 834875 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 834900 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 834930 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 834980 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 835118 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 835119 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 835150 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 835196 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 835218 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 835232 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 835250 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 835309 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 835395 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 835397 | xxxxxx | xxxxxx | xxxxxx C | N/A C | A | A | A | N/A | A | N/A C | N/A C B | N/A B | A | A | A | N/A | A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 835414 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 835457 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 835461 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 835468 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 835470 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 835474 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 835484 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 835516 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 835530 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 835531 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A B C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 835537 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 835544 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 835574 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 835575 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 835577 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 835580 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 835586 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 835594 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 835632 | xxxxxx | xxxxxx | xxxxxx D | D | C | C | C | C | C A | A D | D A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 835643 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 835660 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 835681 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 835723 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 835778 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C D | D | D A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 835785 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 835786 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 835799 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 835841 | xxxxxx | xxxxxx | xxxxxx D | D | C | C | C | C | C A | A D | D B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 835872 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 835892 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 835893 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 835959 | xxxxxx | xxxxxx | xxxxxx C | N/A C | C | C | C | N/A | C A | N/A C | N/A C B | N/A B | A | A | A | N/A | A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 835982 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 835987 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 836003 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 836009 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 836075 | xxxxxx | xxxxxx | xxxxxx A | N/A | A | A | A | N/A | A | N/A | N/A | N/A | A | A | A | N/A | A | N/A | N/A | Mortgagor Focused |
| xxxxxx | 836077 | xxxxxx | xxxxxx | xxxxxx C | N/A C | C | C | C | N/A | C A | N/A C | N/A C B | N/A B | A | A | A | N/A | A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 836146 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 836165 | xxxxxx | xxxxxx | xxxxxx C | C D | B | B | B | B | B A | A C | C D A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 836175 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 836204 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 836208 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 836211 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 836269 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 836283 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 836291 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 836311 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 836328 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 836351 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 836387 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 836393 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 836399 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 836410 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B C | C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 836419 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 836449 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 836521 | xxxxxx | xxxxxx | xxxxxx A | N/A | A | A | A | N/A | A | N/A | N/A | N/A | A | A | A | N/A | A | N/A | N/A | Mortgagor Focused |
| xxxxxx | 836536 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 836541 | xxxxxx | xxxxxx | xxxxxx D | D | B | B | B | B | B A | A D | D A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 836546 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 836591 | xxxxxx | xxxxxx | xxxxxx C | N/A C | C | C | C | N/A | C A | N/A C | N/A C B | N/A B | A | A | A | N/A | A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 836603 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 836611 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 836613 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 836631 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 836662 | xxxxxx | xxxxxx | xxxxxx B | N/A B | A | A | A | N/A | A | N/A B | N/A B | N/A B | A | A | A | N/A | A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 836668 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 836703 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 836708 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 836718 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 836741 | xxxxxx | xxxxxx | xxxxxx D | N/A D | C | C | C | N/A | C A | N/A D | N/A D B | N/A B | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 836745 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 836752 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 836766 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 836769 | xxxxxx | xxxxxx | xxxxxx D | N/A D | A | A | A | N/A | A | N/A D | N/A D B | N/A B | A | A | A | N/A | A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 836774 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 836779 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 836782 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 836798 | xxxxxx | xxxxxx | xxxxxx C | N/A C | A | A | A | N/A | A | N/A C | N/A C B | N/A B | A | A | A | N/A | A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 836844 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 836860 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 836927 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 836932 | xxxxxx | xxxxxx | xxxxxx C | C D | B | B | B | B | B A | A C | C D B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 836940 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 836956 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837022 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837035 | xxxxxx | xxxxxx | xxxxxx D | D | A | A | A | A | A | A D | D B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 837061 | xxxxxx | xxxxxx | xxxxxx D | N/A D | C | C | C | N/A | C A | N/A D | N/A D | N/A | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 837097 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837099 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 837109 | xxxxxx | xxxxxx | xxxxxx B | N/A B | B | B | B | N/A | B A | N/A B | N/A B | N/A B | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 837129 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 837154 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837184 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837216 | xxxxxx | xxxxxx | xxxxxx B | B | A | A | A | A | A | A B | B A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837234 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837305 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837339 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 837363 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 837367 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837368 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837370 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 837378 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837400 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837404 | xxxxxx | xxxxxx | xxxxxx C | N/A C | C | C | C | N/A | C A | N/A C | N/A C B | N/A B | A | A | A | N/A | A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 837447 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837466 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 837484 | xxxxxx | xxxxxx | xxxxxx C | N/A C | C | C | C | N/A | C A | N/A C | N/A C B | N/A B | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 837486 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 837523 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837589 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837653 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837659 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837663 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837665 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 837692 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 837694 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 837696 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 837720 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837725 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837726 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 837727 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 837729 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837730 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837731 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B A | A B | B A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837732 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C B | B C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 837735 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 837736 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837738 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837740 | xxxxxx | xxxxxx | xxxxxx B | B | B | B | B | B | B A | A B | B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 837742 | xxxxxx | xxxxxx | xxxxxx B | B | C | C | C | C | C A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 837743 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A D | D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837744 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837745 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837747 | xxxxxx | xxxxxx | xxxxxx B | B | C | C | C | C | C A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 837748 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837751 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837757 | xxxxxx | xxxxxx | xxxxxx B | N/A B | C | C | C | N/A | C A | N/A C | N/A C B | N/A B | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 837768 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 837784 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837792 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837800 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 837823 | xxxxxx | xxxxxx | xxxxxx C | C D | C | C | C | C | C A | A C | C D A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837857 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837864 | xxxxxx | xxxxxx | xxxxxx C | C D | A | A | A | A | A | A C | C D B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 837874 | xxxxxx | xxxxxx | xxxxxx C | C D | B | B | B | B | B A | A C | C D A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 837888 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 837889 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837895 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837898 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837901 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837908 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837938 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 837982 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | D A | A C | C D B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 838060 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 838063 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 838066 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 838079 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 838086 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 838099 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 838102 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 838122 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 838125 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 838128 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 838129 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 838132 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 838135 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 838138 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 838160 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 838166 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 838190 | xxxxxx | xxxxxx | xxxxxx C | N/A C | C | C | C | N/A | C A | N/A C | N/A C B | N/A B | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 838205 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 838280 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 838281 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 838284 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 838336 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 838346 | xxxxxx | xxxxxx | xxxxxx B | B | B | B | B | B | B A | A B | B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 838373 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 838386 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 838428 | xxxxxx | xxxxxx | xxxxxx C | C D | A | A | A | A | A | A C | C D B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 838443 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 838468 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 838474 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 838480 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 838486 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 838489 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 838505 | xxxxxx | xxxxxx | xxxxxx B | B | C | C | C | C | C A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 838521 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 838533 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 838538 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 838560 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 838583 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 838606 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C D | D | D A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 838665 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 838666 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 838671 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 838677 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A D | A C D | C A | A | N/A | N/A | N/A | N/A | N/A D | A D | A | Property Focused |
| xxxxxx | 838690 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 838740 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 838752 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 838761 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 838776 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 838841 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C B | B C | C B | B | B | B | B | B | B | B | B | Mortgagor Focused |
| xxxxxx | 839323 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 839336 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 839358 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 839368 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 839370 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 839440 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C D | D | D A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 839481 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | D A | A C | C D A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 839496 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 839497 | xxxxxx | xxxxxx | xxxxxx D | D | B | B | B | B | B A | A D | D B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 839511 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 839555 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 839752 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 839779 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 839822 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 839931 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 839932 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 839934 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 839940 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 839942 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 839944 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 839947 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 839948 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 839949 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 839954 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 839961 | xxxxxx | xxxxxx | xxxxxx D | D | A | A | A | A | A | A D | D A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 839966 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 839980 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 840169 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 840182 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 840251 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 840437 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 840667 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 840681 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 841292 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 841297 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |

---

## Exhibit 99.5

**EXHIBIT 99.5**

**AMC QM-ATR DILIGENCE Report**

![](tm2521783d1_ex99-05img01.jpg)

**QM-ATR Diligence Report**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Borrower Name** | **Originator QM Designation** | **Originator Re Stated QM Designation** | **Due Diligence QM Designation** | **Application Date** |
| xxxxxx | 814870 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 816048 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 828059 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 828231 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 828644 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 829540 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 829835 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 830173 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 831005 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 831020 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 831138 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 831396 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 831574 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 831588 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 831759 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 831857 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 831883 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 832315 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 832336 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 832434 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 832523 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 832635 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 832686 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 832705 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 832712 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 832796 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 832800 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 832818 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 832874 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 832967 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833034 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833247 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833258 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 833282 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833410 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833439 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833457 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833490 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 833491 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833524 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833566 | xxxxxx | xxxxxx | N/A |  | Non QM | xxxxxx |
| xxxxxx | 833573 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833670 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833673 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833697 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833719 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833726 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833737 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 833761 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833777 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 833827 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833828 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833846 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833868 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 833907 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 834045 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 834132 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 834143 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 834156 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 834237 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834239 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834248 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834309 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 834364 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 834378 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834381 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 834384 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834403 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834416 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 834423 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834428 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834433 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834447 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 834496 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834692 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834768 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834779 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 834857 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834873 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 834875 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 834900 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834930 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834980 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835118 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835119 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835150 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835196 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835218 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835232 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835250 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 835309 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835395 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 835397 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835414 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835457 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 835461 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835468 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 835470 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 835474 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835484 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835516 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835530 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835531 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835537 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835544 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835574 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835575 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835577 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835580 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 835586 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835594 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 835632 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 835643 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835660 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 835681 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835723 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 835778 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 835785 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 835786 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835799 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 835841 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 835872 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835892 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835893 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835959 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 835982 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835987 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 836003 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 836009 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 836075 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 836077 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 836146 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836165 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836175 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836204 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836208 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 836211 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836269 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836283 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836291 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836311 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 836328 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 836351 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836387 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836393 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836399 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 836410 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 836419 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 836449 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 836521 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 836536 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836541 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836546 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 836591 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 836603 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836611 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 836613 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836631 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836662 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 836668 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836703 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 836708 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 836718 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 836741 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 836745 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 836752 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836766 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836769 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 836774 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 836779 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 836782 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 836798 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 836844 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836860 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836927 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836932 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836940 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 836956 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837022 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 837035 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837061 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 837097 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837099 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 837109 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837129 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 837154 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837184 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837216 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837234 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837305 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837339 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837363 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837367 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837368 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 837370 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837378 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 837400 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837404 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837447 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837466 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837484 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837486 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837523 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837589 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 837653 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 837659 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 837663 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 837665 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837692 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 837694 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837696 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837720 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 837725 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837726 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837727 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837729 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837730 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837731 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837732 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 837735 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837736 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837738 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837740 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837742 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837743 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837744 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837745 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837747 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837748 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837751 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837757 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837768 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 837784 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 837792 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837800 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837823 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 837857 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837864 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837874 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837888 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 837889 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837895 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 837898 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837901 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 837908 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837938 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 837982 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 838060 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838063 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838066 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 838079 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 838086 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 838099 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 838102 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838122 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838125 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 838128 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 838129 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838132 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 838135 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 838138 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838160 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 838166 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 838190 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 838205 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838280 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 838281 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838284 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 838336 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838346 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 838373 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 838386 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838428 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 838443 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 838468 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 838474 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 838480 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 838486 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 838489 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 838505 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 838521 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 838533 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 838538 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 838560 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 838583 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838606 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 838665 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 838666 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 838671 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 838677 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838690 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 838740 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838752 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838761 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 838776 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 838841 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 839323 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839336 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 839358 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 839368 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 839370 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 839440 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 839481 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 839496 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839497 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 839511 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 839555 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839752 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839779 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839822 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 839931 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 839932 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 839934 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 839940 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839942 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 839944 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 839947 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839948 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 839949 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 839954 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839961 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 839966 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839980 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 840169 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 840182 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 840251 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 840437 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 840667 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 840681 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 841292 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841297 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |

---

## Exhibit 99.6

**EXHIBIT 99.6**

**AMC VALUATION Report**

![](tm2521783d1_ex99-06img01.jpg)

**Valuation Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** | **Scope** |
| xxxxxx | 814870 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/25/2024 | 05/22/2024 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 816048 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/05/2024 | 06/26/2024 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/09/2024 | 06/26/2024 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 828059 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/02/2025 | 11/05/2024 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 828231 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/01/2025 | 03/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.40 | Mortgagor Focused |
| xxxxxx | 828644 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/23/2025 | 09/24/2024 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 01/27/2025 | 09/24/2024 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 829540 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/07/2025 | 12/12/2024 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/27/2025 | 12/12/2024 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 829835 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/11/2025 | 01/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/13/2025 | 01/31/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 830173 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/02/2025 | 01/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 01/03/2025 | 01/01/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 831005 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/06/2025 | 02/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 831020 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/16/2025 | 02/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 831138 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/12/2025 | 11/21/2024 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/25/2024 | 11/21/2024 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.90 | Property Focused |
| xxxxxx | 831396 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/02/2024 | 09/27/2024 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  | Property Focused |
| xxxxxx | 831574 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/27/2025 | 03/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 | Mortgagor Focused |
| xxxxxx | 831588 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/02/2025 | 02/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 | Property Focused |
| xxxxxx | 831759 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/10/2025 | 01/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/14/2025 | 01/06/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 831857 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/05/2025 | 02/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/25/2025 | 02/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.20 | Property Focused |
| xxxxxx | 831883 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/06/2025 | 03/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 832315 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 12/23/2024 | 12/20/2024 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/02/2025 | 12/20/2024 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.10 | Mortgagor Focused |
| xxxxxx | 832336 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/10/2025 | 03/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/11/2025 | 03/03/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 832434 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/11/2025 | 02/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/14/2025 | 02/11/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.20 | Property Focused |
| xxxxxx | 832523 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/03/2025 | 02/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Property Focused |
| xxxxxx | 832635 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/19/2025 | 03/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -9.961% | 03/24/2025 | 03/24/2025 | AVM | xxxxxx | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 832686 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/13/2025 | 03/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/18/2025 | 03/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 4.10 | Mortgagor Focused |
| xxxxxx | 832705 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/17/2025 | 03/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 832712 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/06/2025 | 03/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -2.941% | 03/25/2025 | 03/02/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.10 | Property Focused |
| xxxxxx | 832796 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/21/2025 | 02/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/24/2025 | 02/17/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 832800 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/21/2025 | 02/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/24/2025 | 02/17/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 832818 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/17/2025 | 03/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 | Property Focused |
| xxxxxx | 832874 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/31/2025 | 03/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/04/2025 | 03/29/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 832967 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/17/2025 | 03/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/24/2025 | 03/07/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 833034 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/16/2025 | 01/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 01/22/2025 | 01/16/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 833247 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/04/2025 | 03/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  | Property Focused |
| xxxxxx | 833258 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/13/2025 | 02/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/10/2025 | 02/28/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 833282 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/19/2025 | 02/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -6.818% | 03/19/2025 | 02/28/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 833410 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/30/2025 | 01/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 | Property Focused |
| xxxxxx | 833439 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/20/2025 | 03/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/01/2025 | 03/18/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 833457 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/07/2025 | 02/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/09/2025 | 02/05/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 833490 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/21/2025 | 03/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/28/2025 | 03/21/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 833491 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/14/2025 | 01/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/28/2025 | 01/20/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 833524 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/04/2025 | 03/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 833566 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/31/2025 | 03/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -8.922% | 04/10/2025 | 03/19/2025 | Appraisal | xxxxxx |  | Low |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx | Low | 04/07/2025 | 03/28/2025 |  |  |  |  |  |  | Yes | 2.00 | 1.40 | Mortgagor Focused |
| xxxxxx | 833573 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/02/2025 | 03/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -6.523% | 03/25/2025 | 03/25/2025 | AVM | xxxxxx | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Property Focused |
| xxxxxx | 833670 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/08/2025 | 03/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/09/2025 | 03/24/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.50 | Property Focused |
| xxxxxx | 833673 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/18/2025 | 02/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/18/2025 | 02/13/2025 | Desk Review | xxxxxx |  | Low | xxxxxx | xxxxxx | 1.067% | xxxxxx | 0.04 | 02/11/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 | Property Focused |
| xxxxxx | 833697 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/27/2025 | 02/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/12/2025 | 02/26/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 833719 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $34000.00 | 13.333% | xxxxxx | 12/12/2024 | 12/11/2024 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 13.333% | 12/16/2024 | 12/11/2024 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 833726 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/11/2025 | 04/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 833737 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/31/2025 | 03/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/07/2025 | 03/24/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 833761 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/17/2025 | 03/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/19/2025 | 03/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 833777 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/25/2025 | 01/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/14/2025 | 01/16/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.90 | Mortgagor Focused |
| xxxxxx | 833827 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/21/2025 | 03/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/29/2025 | 03/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 833828 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/26/2025 | 02/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 833846 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/09/2025 | 03/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 833868 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/27/2025 | 03/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/02/2025 | 03/26/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 833907 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/20/2025 | 04/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 | Mortgagor Focused |
| xxxxxx | 834045 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/17/2025 | 03/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 | Mortgagor Focused |
| xxxxxx | 834132 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/18/2025 | 02/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/21/2025 | 02/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 | Mortgagor Focused |
| xxxxxx | 834143 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/20/2025 | 04/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/23/2025 | 04/04/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 | Mortgagor Focused |
| xxxxxx | 834156 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/31/2025 | 03/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/11/2025 | 03/28/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.50 | Mortgagor Focused |
| xxxxxx | 834237 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/10/2025 | 02/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -10.000% | 05/13/2025 | 02/27/2025 | Desk Review | xxxxxx |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 | Mortgagor Focused |
| xxxxxx | 834239 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/21/2025 | 03/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/03/2025 | 03/20/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 834248 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/26/2025 | 03/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/28/2025 | 03/25/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 834309 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/21/2025 | 05/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 834364 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/14/2025 | 01/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/12/2025 | 01/13/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 834378 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/21/2025 | 03/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Property Focused |
| xxxxxx | 834381 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/10/2025 | 04/10/2025 | AVM | xxxxxx |  |  | 0.08 | xxxxxx | xxxxxx | 0.102% | 04/29/2025 | 04/29/2025 | AVM | xxxxxx | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 834384 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/25/2025 | 03/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 834403 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/23/2025 | 03/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/05/2025 | 03/20/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 834416 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/13/2025 | 03/13/2025 | AVM | xxxxxx |  |  | 0.11 | xxxxxx | xxxxxx | 11.389% | 03/13/2025 | 03/13/2025 | AVM | xxxxxx | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 834423 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/21/2025 | 03/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/24/2025 | 03/17/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 834428 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/10/2025 | 04/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/09/2025 | 04/03/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 834433 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/15/2025 | 04/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Property Focused |
| xxxxxx | 834447 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/14/2025 | 04/11/2025 | Drive By | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/17/2025 | 04/11/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 834496 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/23/2025 | 03/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/27/2025 | 03/21/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 | Property Focused |
| xxxxxx | 834692 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/03/2025 | 03/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/28/2025 | 03/01/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 834768 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/30/2025 | 01/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/07/2025 | 01/28/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 834779 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/31/2025 | 03/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 834857 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/01/2025 | 04/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/07/2025 | 04/29/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 | Mortgagor Focused |
| xxxxxx | 834873 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/10/2025 | 04/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/01/2025 | 04/02/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.40 | Mortgagor Focused |
| xxxxxx | 834875 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/17/2025 | 04/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 | Mortgagor Focused |
| xxxxxx | 834900 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/15/2025 | 03/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  | Property Focused |
| xxxxxx | 834930 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/26/2025 | 02/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/08/2025 | 02/24/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 834980 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/01/2025 | 03/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 835118 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/09/2025 | 03/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 835119 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/08/2025 | 04/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 | Property Focused |
| xxxxxx | 835150 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/19/2025 | 03/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 835196 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/02/2025 | 04/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 835218 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/11/2025 | 04/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/10/2025 | 04/04/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 835232 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $1100000.00 | 22.000% | xxxxxx | 03/28/2025 | 03/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/02/2025 | 03/30/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 835250 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/08/2025 | 04/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.10 | Mortgagor Focused |
| xxxxxx | 835309 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/04/2025 | 03/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 835395 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/29/2025 | 04/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10.435% | 04/23/2025 | 04/07/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 | Mortgagor Focused |
| xxxxxx | 835397 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/02/2025 | 02/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/03/2025 | 02/22/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 835414 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/15/2025 | 04/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Property Focused |
| xxxxxx | 835457 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/16/2025 | 04/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 47.341% | 03/28/2025 | 03/24/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 835461 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/20/2025 | 03/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/07/2025 | 03/20/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 835468 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/16/2025 | 04/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/16/2025 | 04/07/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.50 | Mortgagor Focused |
| xxxxxx | 835470 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $22501.00 | 3.863% | xxxxxx | 04/18/2025 | 04/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  | Mortgagor Focused |
| xxxxxx | 835474 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/13/2025 | 03/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.30 | Property Focused |
| xxxxxx | 835484 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/02/2025 | 03/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/30/2025 | 03/25/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 835516 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/13/2025 | 04/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/16/2025 | 04/10/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 835530 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/25/2025 | 03/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -8.046% | 03/19/2025 | 03/08/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Property Focused |
| xxxxxx | 835531 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/27/2025 | 02/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/01/2025 | 02/05/2025 | Field Review | xxxxxx |  |  |  |  |  |  |  |  | $0.00 | xxxxxx | -100.000% | xxxxxx | Indeterminate | 03/19/2025 | 02/05/2025 |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 835537 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/31/2025 | 03/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/30/2025 | 03/25/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 835544 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/10/2025 | 03/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/13/2025 | 03/09/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 | Property Focused |
| xxxxxx | 835574 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/29/2025 | 04/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/22/2025 | 04/11/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 835575 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/14/2025 | 04/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/21/2025 | 04/08/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 835577 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/14/2025 | 04/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/21/2025 | 04/08/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 835580 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/15/2025 | 04/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/18/2025 | 04/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 835586 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/17/2025 | 04/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/21/2025 | 04/11/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 835594 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/30/2025 | 03/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 | Mortgagor Focused |
| xxxxxx | 835632 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/22/2025 | 04/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/23/2025 | 04/08/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 999.00 | Mortgagor Focused |
| xxxxxx | 835643 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/02/2025 | 03/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/28/2025 | 03/21/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 835660 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/15/2025 | 04/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 | Mortgagor Focused |
| xxxxxx | 835681 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/03/2025 | 04/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 835723 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/14/2025 | 04/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/15/2025 | 04/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.10 | Mortgagor Focused |
| xxxxxx | 835778 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/21/2025 | 04/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 835785 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/11/2025 | 04/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.30 | Mortgagor Focused |
| xxxxxx | 835786 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/21/2025 | 04/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 | Property Focused |
| xxxxxx | 835799 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/01/2025 | 03/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 835841 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/07/2025 | 05/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/08/2025 | 05/01/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 | Mortgagor Focused |
| xxxxxx | 835872 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/11/2025 | 03/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/03/2025 | 03/27/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 835892 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/02/2025 | 03/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/09/2025 | 03/31/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 835893 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/04/2025 | 04/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 835959 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/25/2025 | 04/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 | Mortgagor Focused |
| xxxxxx | 835982 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/02/2025 | 03/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 | Property Focused |
| xxxxxx | 835987 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/16/2025 | 04/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -2.857% | 04/18/2025 | 04/11/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 836003 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/11/2025 | 04/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 6.696% | 04/28/2025 | 04/21/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.80 | Mortgagor Focused |
| xxxxxx | 836009 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/21/2025 | 04/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 836075 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/28/2025 | 03/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 | Mortgagor Focused |
| xxxxxx | 836077 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/02/2025 | 05/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 836146 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/24/2025 | 04/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 836165 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/24/2025 | 04/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  | Mortgagor Focused |
| xxxxxx | 836175 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/12/2025 | 05/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 836204 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/16/2025 | 04/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/19/2025 | 04/13/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 836208 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/14/2025 | 04/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/04/2025 | 04/03/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 | Mortgagor Focused |
| xxxxxx | 836211 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/14/2025 | 04/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 | Property Focused |
| xxxxxx | 836269 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/29/2025 | 04/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/05/2025 | 04/02/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 836283 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/18/2025 | 04/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 836291 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/01/2025 | 04/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 836311 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/23/2025 | 04/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/10/2025 | 04/07/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 836328 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/17/2025 | 04/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/23/2025 | 04/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 836351 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/08/2025 | 04/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 836387 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/31/2025 | 03/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/28/2025 | 03/21/2025 | Desk Review | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 836393 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/22/2025 | 03/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/15/2025 | 03/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.60 | Property Focused |
| xxxxxx | 836399 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/29/2025 | 04/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 | Mortgagor Focused |
| xxxxxx | 836410 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/20/2025 | 04/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/22/2025 | 04/17/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 |  | Mortgagor Focused |
| xxxxxx | 836419 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/23/2025 | 04/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -0.929% | 06/05/2025 | 06/02/2022 | AVM | xxxxxx | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -0.929% | xxxxxx | 06/05/2025 | 06/02/2022 | No | 3.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 836449 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/25/2025 | 04/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/28/2025 | 04/24/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 836521 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $300000.00 | 16.667% | xxxxxx | 04/24/2025 | 04/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/06/2025 | 04/22/2025 | Field Review | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 836536 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/03/2025 | 12/25/2024 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/10/2025 | 12/25/2024 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 | Property Focused |
| xxxxxx | 836541 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $5000.00 | 1.429% | xxxxxx | 05/06/2025 | 04/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/23/2025 | 04/18/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 836546 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/08/2025 | 04/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/07/2025 | 04/24/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 5.00 | Mortgagor Focused |
| xxxxxx | 836591 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/10/2025 | 04/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 | Mortgagor Focused |
| xxxxxx | 836603 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/24/2025 | 03/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/22/2025 | 03/05/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 836611 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/18/2025 | 04/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/08/2025 | 04/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 836613 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/29/2025 | 04/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/08/2025 | 04/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.80 | Mortgagor Focused |
| xxxxxx | 836631 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/20/2025 | 04/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/24/2025 | 04/16/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 836662 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/07/2025 | 05/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 836668 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/16/2025 | 04/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/10/2025 | 04/02/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 836703 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/09/2025 | 04/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/05/2025 | 04/04/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 836708 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/01/2025 | 03/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/25/2025 | 03/27/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 836718 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/25/2025 | 04/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 836741 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/17/2025 | 04/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/05/2025 | 04/11/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.20 | Mortgagor Focused |
| xxxxxx | 836745 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/02/2025 | 04/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  | Mortgagor Focused |
| xxxxxx | 836752 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/23/2025 | 03/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 836766 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/22/2025 | 04/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 | Property Focused |
| xxxxxx | 836769 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/24/2025 | 04/24/2025 | AVM | xxxxxx |  |  | 0.07 | xxxxxx | xxxxxx | -4.196% | 04/22/2025 | 04/22/2025 | AVM | xxxxxx | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 836774 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/30/2025 | 04/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/01/2025 | 04/29/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.00 | Mortgagor Focused |
| xxxxxx | 836779 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/28/2025 | 04/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/24/2025 | 04/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 836782 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/28/2025 | 04/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 836798 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/22/2025 | 04/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/12/2025 | 04/03/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 836844 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/24/2025 | 04/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/10/2025 | 04/01/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 836860 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/09/2025 | 04/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/05/2025 | 04/29/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 836927 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/11/2025 | 04/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Property Focused |
| xxxxxx | 836932 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/22/2025 | 04/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/25/2025 | 04/18/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 836940 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/22/2025 | 03/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/24/2025 | 03/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 836956 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/28/2025 | 04/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 837022 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/10/2025 | 05/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/22/2025 | 05/03/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 837035 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/14/2025 | 04/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/23/2025 | 04/11/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 837061 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/03/2025 | 03/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/01/2025 | 03/28/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 4.10 | Mortgagor Focused |
| xxxxxx | 837097 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/09/2025 | 04/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/15/2025 | 04/29/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 | Property Focused |
| xxxxxx | 837099 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/02/2025 | 04/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/02/2025 | 04/23/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.10 | Mortgagor Focused |
| xxxxxx | 837109 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/29/2025 | 03/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/02/2025 | 03/28/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.60 | Mortgagor Focused |
| xxxxxx | 837129 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/19/2025 | 05/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 837154 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/23/2025 | 04/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/25/2025 | 04/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 837184 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/25/2025 | 04/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 | Property Focused |
| xxxxxx | 837216 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/25/2025 | 03/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/26/2025 | 03/21/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 837234 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/10/2025 | 04/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/24/2025 | 04/06/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 837305 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/21/2025 | 04/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/30/2025 | 04/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.70 | Property Focused |
| xxxxxx | 837339 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/04/2025 | 01/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/06/2025 | 01/30/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 837363 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/07/2025 | 05/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.30 | Mortgagor Focused |
| xxxxxx | 837367 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/07/2025 | 04/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/01/2025 | 04/24/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.50 | Mortgagor Focused |
| xxxxxx | 837368 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/06/2025 | 05/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 837370 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/04/2025 | 05/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 837378 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/28/2025 | 04/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.50 | Mortgagor Focused |
| xxxxxx | 837400 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/28/2025 | 04/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/02/2025 | 04/28/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 | Mortgagor Focused |
| xxxxxx | 837404 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/02/2025 | 04/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.60 | Mortgagor Focused |
| xxxxxx | 837447 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/18/2025 | 04/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 837466 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/07/2025 | 04/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/25/2025 | 04/23/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 837484 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/01/2025 | 04/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 7.523% | 04/15/2025 | 04/15/2025 | AVM | xxxxxx | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 837486 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/06/2025 | 04/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/07/2025 | 04/28/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 | Mortgagor Focused |
| xxxxxx | 837523 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/05/2025 | 05/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 837589 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/22/2025 | 05/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/28/2025 | 05/16/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 837653 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/02/2025 | 05/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 837659 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/11/2025 | 05/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 837663 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/12/2025 | 05/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 837665 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/20/2025 | 05/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  | Mortgagor Focused |
| xxxxxx | 837692 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/05/2025 | 05/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 837694 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/14/2025 | 05/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/21/2025 | 05/12/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 837696 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/06/2025 | 05/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/08/2025 | 05/04/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 837720 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/20/2025 | 03/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 | Mortgagor Focused |
| xxxxxx | 837725 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/19/2025 | 03/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 1.818% | 03/20/2025 | 03/20/2025 | BPO | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 | Mortgagor Focused |
| xxxxxx | 837726 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/09/2025 | 03/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 837727 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/14/2025 | 03/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 | Property Focused |
| xxxxxx | 837729 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/24/2025 | 03/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 837730 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/25/2025 | 03/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 837731 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/25/2025 | 03/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 837732 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/01/2025 | 03/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 | Mortgagor Focused |
| xxxxxx | 837735 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/22/2025 | 03/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/11/2025 | 03/26/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 | Property Focused |
| xxxxxx | 837736 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/02/2025 | 04/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/03/2025 | 04/01/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.70 | Mortgagor Focused |
| xxxxxx | 837738 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/08/2025 | 04/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 | Mortgagor Focused |
| xxxxxx | 837740 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/11/2025 | 04/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 837742 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/09/2025 | 04/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 837743 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/22/2025 | 04/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 | Property Focused |
| xxxxxx | 837744 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/03/2025 | 04/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Property Focused |
| xxxxxx | 837745 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/23/2025 | 04/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 837747 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/17/2025 | 04/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 837748 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/30/2025 | 04/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 837751 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/25/2025 | 04/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 | Mortgagor Focused |
| xxxxxx | 837757 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/06/2025 | 05/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 837768 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/12/2025 | 04/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/29/2025 | 04/21/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 | Mortgagor Focused |
| xxxxxx | 837784 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/29/2025 | 04/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/01/2025 | 04/24/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.60 | Mortgagor Focused |
| xxxxxx | 837792 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/09/2025 | 04/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 | Property Focused |
| xxxxxx | 837800 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/16/2025 | 05/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/22/2025 | 05/02/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.20 | Property Focused |
| xxxxxx | 837823 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/13/2025 | 05/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 837857 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/08/2025 | 03/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 | Property Focused |
| xxxxxx | 837864 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/04/2025 | 05/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/03/2025 | 05/15/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 837874 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/10/2025 | 05/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/13/2025 | 05/02/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.70 | Mortgagor Focused |
| xxxxxx | 837888 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/15/2025 | 05/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 | Mortgagor Focused |
| xxxxxx | 837889 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/01/2025 | 04/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 | Mortgagor Focused |
| xxxxxx | 837895 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/15/2025 | 05/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/21/2025 | 05/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.50 | Mortgagor Focused |
| xxxxxx | 837898 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/07/2025 | 05/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/09/2025 | 05/06/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.60 | Mortgagor Focused |
| xxxxxx | 837901 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/08/2025 | 05/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/12/2025 | 05/06/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.80 | Mortgagor Focused |
| xxxxxx | 837908 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/13/2025 | 05/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 837938 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/19/2025 | 05/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.70 | Mortgagor Focused |
| xxxxxx | 837982 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/23/2025 | 05/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/27/2025 | 05/21/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.50 | Mortgagor Focused |
| xxxxxx | 838060 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/19/2025 | 05/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 838063 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/02/2025 | 05/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/21/2025 | 05/16/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 838066 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/02/2025 | 05/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/03/2025 | 05/29/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.70 | Mortgagor Focused |
| xxxxxx | 838079 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/13/2025 | 05/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/14/2025 | 05/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 838086 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/09/2025 | 05/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/14/2025 | 05/06/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 | Mortgagor Focused |
| xxxxxx | 838099 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/21/2025 | 05/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.30 | Mortgagor Focused |
| xxxxxx | 838102 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/29/2025 | 05/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 838122 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/21/2025 | 03/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/27/2025 | 03/20/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 838125 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/09/2025 | 05/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/16/2025 | 05/07/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.20 | Mortgagor Focused |
| xxxxxx | 838128 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/21/2025 | 05/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/29/2025 | 05/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.90 | Mortgagor Focused |
| xxxxxx | 838129 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/23/2025 | 05/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 838132 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/23/2025 | 05/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/19/2025 | 05/16/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.20 | Mortgagor Focused |
| xxxxxx | 838135 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/29/2025 | 04/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/01/2025 | 04/25/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.60 | Mortgagor Focused |
| xxxxxx | 838138 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/21/2025 | 04/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -6.915% | 05/02/2025 | 04/16/2025 | Desk Review | xxxxxx |  | Moderate | xxxxxx | xxxxxx | -16.915% | xxxxxx | 0.17 | 04/22/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 | Property Focused |
| xxxxxx | 838160 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/27/2025 | 05/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/01/2025 | 05/21/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 838166 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/05/2025 | 04/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 | Mortgagor Focused |
| xxxxxx | 838190 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/23/2025 | 05/23/2025 | BPO | xxxxxx |  |  |  | xxxxxx | xxxxxx | 10.939% | 05/15/2025 | 05/15/2025 | AVM | xxxxxx | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 838205 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/12/2025 | 05/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/23/2025 | 05/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 838280 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/06/2025 | 03/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.30 | Mortgagor Focused |
| xxxxxx | 838281 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/22/2025 | 05/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 838284 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/28/2025 | 04/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/29/2025 | 04/24/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 838336 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/11/2025 | 03/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 838346 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/05/2025 | 06/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 838373 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/28/2025 | 04/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -2.857% | 05/19/2025 | 04/22/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 838386 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/16/2025 | 05/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Property Focused |
| xxxxxx | 838428 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/21/2025 | 04/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/04/2025 | 04/17/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.50 | Mortgagor Focused |
| xxxxxx | 838443 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/10/2025 | 05/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/16/2025 | 05/08/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 | Mortgagor Focused |
| xxxxxx | 838468 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/23/2025 | 05/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 838474 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/03/2025 | 03/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/29/2025 | 03/25/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 | Mortgagor Focused |
| xxxxxx | 838480 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/16/2025 | 05/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 838486 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/23/2025 | 04/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 838489 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/29/2025 | 04/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 | Mortgagor Focused |
| xxxxxx | 838505 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/29/2025 | 04/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  | Mortgagor Focused |
| xxxxxx | 838521 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/25/2025 | 01/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/11/2025 | 01/23/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.90 | Mortgagor Focused |
| xxxxxx | 838533 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/02/2025 | 05/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/04/2025 | 05/29/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 838538 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/07/2025 | 05/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 4.000% | 05/09/2025 | 05/03/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 | Mortgagor Focused |
| xxxxxx | 838560 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/25/2025 | 04/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 838583 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/04/2025 | 05/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 | Property Focused |
| xxxxxx | 838606 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/09/2025 | 04/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/06/2025 | 04/01/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 838665 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $80000.00 | 1.441% | xxxxxx | 05/21/2025 | 05/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/29/2025 | 05/27/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 838666 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $55000.00 | 1.184% | xxxxxx | 05/27/2025 | 05/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 | Mortgagor Focused |
| xxxxxx | 838671 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/29/2025 | 05/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/30/2025 | 05/16/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 838677 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/12/2025 | 05/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -0.242% | 05/13/2025 | 05/13/2025 | AVM | xxxxxx | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Property Focused |
| xxxxxx | 838690 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/20/2025 | 05/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/18/2025 | 05/12/2025 | Desk Review | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 838740 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/17/2025 | 05/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 838752 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/22/2025 | 04/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/29/2025 | 04/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 838761 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/29/2025 | 04/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/23/2025 | 04/30/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 838776 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/05/2025 | 05/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/09/2025 | 05/02/2025 | Desk Review | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 838841 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/13/2025 | 05/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 | Mortgagor Focused |
| xxxxxx | 839323 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/29/2025 | 04/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.50 | Mortgagor Focused |
| xxxxxx | 839336 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/11/2025 | 05/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 839358 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/03/2025 | 06/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 | Mortgagor Focused |
| xxxxxx | 839368 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/31/2025 | 05/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  | Mortgagor Focused |
| xxxxxx | 839370 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/27/2025 | 04/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 1.266% | 05/07/2025 | 05/01/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx | Moderate | 05/01/2025 | 04/25/2025 |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 839440 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/03/2025 | 02/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/13/2025 | 02/25/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.10 | Mortgagor Focused |
| xxxxxx | 839481 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/21/2025 | 05/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.10 | 2.10 | Mortgagor Focused |
| xxxxxx | 839496 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/18/2025 | 04/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/21/2025 | 04/16/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 | Mortgagor Focused |
| xxxxxx | 839497 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/25/2025 | 04/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/29/2025 | 04/25/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.00 | Mortgagor Focused |
| xxxxxx | 839511 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/30/2025 | 04/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 839555 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/02/2025 | 05/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 | Property Focused |
| xxxxxx | 839752 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/30/2025 | 05/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 | Property Focused |
| xxxxxx | 839779 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/05/2025 | 05/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Property Focused |
| xxxxxx | 839822 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/08/2025 | 06/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -3.937% | 06/10/2025 | 06/05/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 5.00 | Mortgagor Focused |
| xxxxxx | 839931 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/24/2025 | 04/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 839932 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/09/2025 | 05/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.10 | Mortgagor Focused |
| xxxxxx | 839934 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/10/2025 | 05/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 839940 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/19/2025 | 05/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 839942 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/30/2025 | 05/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 839944 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/22/2025 | 05/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 | Mortgagor Focused |
| xxxxxx | 839947 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/16/2025 | 05/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/11/2025 | 05/05/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 | Property Focused |
| xxxxxx | 839948 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/14/2025 | 04/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/11/2025 | 04/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.70 | Mortgagor Focused |
| xxxxxx | 839949 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/24/2025 | 05/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 9.375% | 05/19/2025 | 05/15/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 839954 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/19/2025 | 05/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/22/2025 | 05/16/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 839961 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/10/2025 | 05/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/11/2025 | 05/24/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 839966 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/23/2025 | 05/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/29/2025 | 05/19/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.30 | Property Focused |
| xxxxxx | 839980 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/21/2025 | 05/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.60 | Mortgagor Focused |
| xxxxxx | 840169 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/03/2025 | 05/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/29/2025 | 05/08/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 840182 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/27/2025 | 05/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 840251 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/20/2025 | 04/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 840437 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/27/2025 | 05/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 840667 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/27/2025 | 05/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/02/2025 | 05/27/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.10 | Mortgagor Focused |
| xxxxxx | 840681 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/03/2025 | 05/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/07/2025 | 06/03/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.70 | Mortgagor Focused |
| xxxxxx | 841292 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/04/2025 | 06/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 841297 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/28/2025 | 05/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.40 | Mortgagor Focused |

---

## Exhibit 99.7

**EXHIBIT 99.7**

**AMC SUPPLEMENTAL DATA**

![](tm2521783d1_ex99-07img01.jpg)

**Supplemental Data**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **DSCR** | **Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** | **Scope** |
| xxxxxx | 814870 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $5313.75 | $5906.41 | xxxxxx | 11.695% | $1699.71 | $1699.71 | 11.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5896.67 | 1 | xxxxxx | $2547.00 | xxxxxx | $212.25 |  |  |  |  |  | 43.557% | 43.557% | 43.557% | 04/15/2024 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2013<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2013 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5313.75 | xxxxxx | 6.950% | $0.00 | 1 |  |  |  | N/A | No | 11.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $97.34 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 4.000% | xxxxxx | xxxxxx | $1718.70 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 39.36 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 816048 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2799.50 | $2799.50 | 8.000% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $711.96 | xxxxxx | $59.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/29/2024 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  | 360 | xxxxxx | $360686.01 | 64.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 59.32 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 828059 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $15142.82 | $17114.16 | xxxxxx | 7.894% | $2936.23 | $2936.23 | 7.500% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $4371.15 | 1 | xxxxxx | $1596.96 | xxxxxx | $133.08 | xxxxxx |  | $499.00 |  | Annually | 45.785% | 45.785% | 45.785% | 03/12/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024 | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15142.82 | xxxxxx | 6.810% | $39900.00 | 1 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | xxxxxx | $85023.63 | 17.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 7.65 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 828231 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1790.00 | $7864.72 | xxxxxx | 8.032% | $6897.39 | $6897.39 | 8.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $47064.35 | 1 | xxxxxx | $2660.04 | xxxxxx | $221.67 |  |  |  |  |  | 17.658% | 17.658% | 17.658% | 01/21/2025 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - Year Not Available | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1790.00 | xxxxxx | 6.650% | $0.00 | 1.4 |  |  |  | Yes | No | 8.000% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $335814.37 | 29.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.45 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 828644 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $966.15 | $966.15 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1929.00 | xxxxxx | $160.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/07/2025 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR | Chapter 13 |  | xxxxxx | 1 |  | 33.12 |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.54 | 0.65 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 64.11 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 829540 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6645.83 | $6645.83 | 7.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2756.04 | xxxxxx | $229.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/20/2024 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  |  |  | 240 | xxxxxx | $118224.06 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 150.82 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 829835 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1013.51 | $1013.51 | 8.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 4 | xxxxxx | $1277.16 | xxxxxx | $106.43 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/14/2025 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.59 | 0.39 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 95.72 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 830173 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2554.46 | $2554.46 | 7.970% | No | No |  |  |  |  | 0 | 0 |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  | 1 | xxxxxx | $1933.32 | xxxxxx | $161.11 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.970% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.77 | 1.3 |  |  |  |  |  |  |  | xxxxxx | $5000.00 | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  | 9.32 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 831005 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7311.80 | $9453.88 | xxxxxx | 12.523% | $1730.21 | $1730.21 | 11.875% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $356499.81 | 1 | xxxxxx | $2583.12 | xxxxxx | $215.26 | xxxxxx | xxxxxx | $25.00 |  | Monthly | 8.040% | 8.040% | 8.040% | 02/13/2025 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7311.80 | xxxxxx | 6.660% | $0.00 | 1 |  |  |  | Yes | No | 11.875% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $20729.03 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 2.500% | xxxxxx | xxxxxx | $3422.00 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 45.31 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 831020 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1234.14 | $1234.14 | 7.000% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1133.04 | xxxxxx | $94.42 | xxxxxx |  | $94.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 02/12/2025 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.73 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 109.31 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 831138 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $875.46 | $875.46 | 7.750% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1224.00 | xxxxxx | $102.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.9 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 93.89 |  |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | Property Focused |
| xxxxxx | 831396 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $687.29 | $687.29 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1116.96 | xxxxxx | $93.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/12/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.51 | 0.66 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 113.05 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 831574 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $10053.36 | $13750.88 | xxxxxx | 7.807% | $4614.82 | $4614.82 | 7.625% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $22469.62 | 1 | xxxxxx | $2766.96 | xxxxxx | $230.58 |  |  |  |  |  | 30.710% | 30.710% | 30.710% | 04/21/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; 4506-C (for Business) - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; 4506-C (for Business) - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; 4506-C (for Business) - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10053.36 | xxxxxx | 6.740% | $0.00 | 2.1 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $81500.00 | 10.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 28.68 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 831588 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3076.67 | $3076.67 | 8.875% | No | No |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $559.92 | xxxxxx | $46.66 | xxxxxx |  | $1196.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.1 |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.77 | 1.3 |  |  |  |  |  |  | 240 | xxxxxx | $287123.23 | 45.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.1 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 831759 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2621.60 | $2621.60 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2179.20 | xxxxxx | $181.60 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/19/2024 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.69 | 0.59 |  |  |  |  |  |  |  | xxxxxx | $11689.65 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 3.43 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 831857 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1601.01 | $1601.01 | 8.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1764.00 | xxxxxx | $147.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/16/2025 | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.2 |  |  |  | No | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | xxxxxx | $83390.62 | 29.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.74 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 831883 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $3669.00 | $4781.41 | xxxxxx | 10.238% | $1013.80 | $1013.80 | 9.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6492.15 | 1 | xxxxxx | $1667.04 | xxxxxx | $138.92 |  |  |  |  |  | 37.810% | 37.810% | 37.810% | 02/21/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-T - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-T - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-T - 2022 | Full Documentation (F) | 2yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3669.00 | xxxxxx | 6.650% | $0.00 | 1 |  |  |  | N/A | No | 9.750% | 0 |  | 0 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 2.750% | xxxxxx | xxxxxx | $1196.15 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.31 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 832315 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1949.00 | $3870.26 | xxxxxx | 8.188% | $2895.74 | $2895.74 | 8.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $77998.72 | 1 | xxxxxx | $939.00 | xxxxxx | $78.25 | xxxxxx |  | $250.00 |  | Monthly | 20.017% | 20.017% | 20.017% | 11/26/2024 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 48.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 48.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 48.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 48.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 48.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 48.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 48.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1949.00 | xxxxxx | 6.880% | $0.00 | 4.1 |  |  |  | No | No | 8.125% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $29868.84 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 114.34 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 832336 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3166.48 | $3166.48 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1140.00 | xxxxxx | $95.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/12/2025 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx | $228304.55 | 35.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.23 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 832434 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1872.25 | $1872.25 | 6.875% | No | No |  |  |  |  | 0 |  |  | Foreign National | Foreign National |  |  | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $1829.64 | xxxxxx | $152.47 | xxxxxx |  | $569.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.2 |  |  |  | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.68 | 0.59 |  |  |  |  |  |  |  | xxxxxx | $756770.88 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 137.87 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 832523 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2772.53 | $2772.53 | 8.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1040.04 | xxxxxx | $86.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/30/2025 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.81 | 1.24 |  |  |  |  |  |  |  | xxxxxx | $232191.61 | 49.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.74 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 832635 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3668.40 | $3668.40 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 4 | xxxxxx | $4392.12 | xxxxxx | $366.01 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/04/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.76 |  |  |  |  |  |  |  | xxxxxx | $51722.27 | 7.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.44 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 832686 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $3790.00 | $4462.58 | xxxxxx | 8.744% | $1537.83 | $1537.83 | 8.500% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $44198.50 | 1 | xxxxxx | $2343.96 | xxxxxx | $195.33 |  |  |  |  |  | 13.556% | 13.556% | 13.556% | 03/03/2025 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2016<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2016<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2016<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2016<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3790.00 | xxxxxx | 6.730% | $0.00 | 4.1 |  |  |  | No | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $28991.95 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  | 1 | xxxxxx | 3.250% | xxxxxx | xxxxxx | $2874.54 | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 38.22 |  |  | No | xxxxxx | $51129.75 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 832705 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1844.10 | $1844.10 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $543.00 | xxxxxx | $45.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/08/2025 | 674 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 7.54 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 832712 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2113.67 | $2113.67 | 6.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2134.20 | xxxxxx | $177.85 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/03/2025 | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.1 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | xxxxxx | $139356.67 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 77.17 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 832796 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1566.24 | $1566.24 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1645.80 | xxxxxx | $137.15 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/26/2025 | 672 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.57 | 0.64 |  |  |  |  |  |  |  | xxxxxx | $5979.29 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 28.12 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 832800 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1737.55 | $1737.55 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1431.00 | xxxxxx | $119.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/26/2025 | 672 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.43 | 0.7 |  |  |  |  |  |  |  | xxxxxx | $5979.29 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 16.21 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 832818 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1664.99 | $1664.99 | 6.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $960.96 | xxxxxx | $80.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/06/2025 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.5 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.86 |  |  |  |  |  |  |  | xxxxxx | $9585.54 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 52.15 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 832874 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $5655.00 | $8570.14 | xxxxxx | 7.528% | $2114.75 | $2114.75 | 7.250% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4808.44 | 1 | xxxxxx | $2171.76 | xxxxxx | $180.98 |  |  |  |  |  | 39.895% | 39.895% | 39.895% | 04/21/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5655.00 | xxxxxx | 6.650% | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $365713.81 | 55.000% | No | 27 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.16 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 832967 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3757.63 | $3757.63 | 6.875% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1923.96 | xxxxxx | $160.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/06/2025 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.76 | 0.57 |  |  |  |  |  |  |  | xxxxxx | $2746310.34 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 584.97 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 833034 | xxxxxx | N/A |  |  | xxxxxx | No | No | $3500.00 | $4075.43 | xxxxxx | 10.369% | $868.35 | $868.35 | 9.875% | No | No | Not Employed | Self-Employed | Self-Employed |  | 5.58 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $21875.06 | 3 | xxxxxx | $2591.52 | xxxxxx | $215.96 |  |  |  |  |  | 30.129% | 30.129% | 30.129% | 04/28/2025 | 787 | 802 | 777 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Business License - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - Year Not Available<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 | [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Business License - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - Year Not Available<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3500.00 | xxxxxx | 6.810% | $0.00 |  |  |  |  | No | No | 9.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx | Individual | xxxxxx |  |  | 1 | xxxxxx | 3.375% | xxxxxx | xxxxxx | $1993.85 | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 25.58 |  | No | No | xxxxxx | $31307.55 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 833247 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $721.79 | $721.79 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1652.04 | xxxxxx | $137.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/12/2025 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.41 | 0.71 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 54.07 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 833258 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10635.63 | $12315.92 | xxxxxx | 7.711% | $2197.14 | $2852.73 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $18977.08 | 1 | xxxxxx | $1977.72 | xxxxxx | $164.81 |  |  |  |  |  | 47.530% | 45.717% | 47.530% | 03/13/2025 | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $10635.63 | xxxxxx | 6.660% | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 37.81 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 833282 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5058.35 | $5058.35 | 6.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 3 | xxxxxx | $4338.24 | xxxxxx | $361.52 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/17/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.45 | 0.69 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 20.99 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 833410 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1729.76 | $1729.76 | 7.375% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  | 1 | xxxxxx | $1956.96 | xxxxxx | $163.08 | xxxxxx |  | $2160.00 |  | Annually | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.6 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $1476385.43 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 522.73 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 833439 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2735.07 | $2735.07 | 7.375% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1257.00 | xxxxxx | $104.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/11/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | xxxxxx | $38425.08 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 113.87 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 833457 | xxxxxx | N/A |  |  | xxxxxx | No | No | $9573.50 | $3460.45 | xxxxxx | 10.574% | $1620.68 | $1620.68 | 10.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $27325.18 | 1 | xxxxxx | $1706.04 | xxxxxx | $142.17 |  |  |  |  |  | 25.100% | 25.100% | 25.100% | 01/15/2025 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9573.50 | xxxxxx | 6.620% | $0.00 | 1 |  |  |  | Yes | No | 10.375% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $66938.56 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.875% | xxxxxx | xxxxxx | $3592.61 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 41.6 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 833490 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $17979.06 | $24398.12 | xxxxxx | 9.190% | $5849.98 | $5849.98 | 8.875% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10470.77 | 1 | xxxxxx | $2624.04 | xxxxxx | $218.67 | xxxxxx | xxxxxx | $115.00 |  | Monthly | 41.488% | 41.488% | 41.488% | 03/18/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $17979.06 | xxxxxx | 6.660% | $2500.00 |  |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | No | 26 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.91 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 833491 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $15735.42 | $15735.42 | 7.000% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2165.88 | xxxxxx | $180.49 | xxxxxx |  | $812.00 |  | Annually | 0.000% | 0.000% | 0.000% | 01/29/2025 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 50.31 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 833524 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1236.79 | $1236.79 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1014.36 | xxxxxx | $84.53 | xxxxxx |  | $152.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 01/08/2025 | 645 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | xxxxxx | $141277.16 | 55.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.56 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 833566 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $26092.11 | $31674.49 | xxxxxx | 7.784% | $7053.33 | $7053.33 | 7.500% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $10926.93 | 1 | xxxxxx | $734.04 | xxxxxx | $61.17 |  |  |  |  |  | 51.363% | 51.363% | 51.363% | 03/10/2025 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $26092.11 | xxxxxx | 6.620% | $0.00 | 1.4 |  |  |  | Yes | No | 7.500% | 2 | 2 | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $44848.59 |  | No | 27 | 26 |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 14 |  | No | No | xxxxxx | $0.00 | $10188.46 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 833573 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1885.56 | $1885.56 | 7.625% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1290.00 | xxxxxx | $107.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/14/2025 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.74 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 92.03 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 833670 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2626.88 | $2626.88 | 8.000% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1994.28 | xxxxxx | $166.19 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/05/2025 | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.5 |  |  |  | No | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 102.27 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 833673 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2747.91 | $2747.91 | 7.500% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $2441.28 | xxxxxx | $203.44 | xxxxxx |  | $120.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 02/06/2025 | 666 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.94 |  |  |  |  |  |  |  | xxxxxx | $544637.26 | 83.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 78.48 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 833697 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1929.56 | $1929.56 | 8.125% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $566.04 | xxxxxx | $47.17 | xxxxxx |  | $1290.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 03/25/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.85 | 1.18 |  |  |  |  |  |  |  | xxxxxx | $13151.07 | 4.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 22.41 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 833719 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1372.51 | $1372.51 | 8.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1308.00 | xxxxxx | $109.00 | xxxxxx |  | $250.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 03/18/2025 | 672 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.85 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 82.58 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 833726 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1091.48 | $1091.48 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $341.04 | xxxxxx | $28.42 | xxxxxx |  | $2616.00 |  | Annually | 0.000% | 0.000% | 0.000% | 01/27/2025 | 670 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.8 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 60.42 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 833737 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1430.00 | $3823.92 | xxxxxx | 9.800% | $3823.24 | $3823.24 | 9.750% | No | No | Not Employed | Self-Employed | Not Employed |  | 0 |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  | $193224.42 | 1 | xxxxxx | $23903.16 | xxxxxx | $1991.93 | xxxxxx |  | $540.00 |  | Monthly | 9.945% | 9.945% | 9.945% | 03/07/2025 | 688 | 684 | 746 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | Yes | 12 | Business | 100.000% |  | 34.380% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 34.38% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 34.38% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 34.38% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 34.38% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 34.38% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 34.38% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2013 | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 34.38% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 34.38% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 34.38% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 34.38% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 34.38% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 34.38% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2013 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $1430.00 | xxxxxx | 6.660% | $0.00 |  |  |  |  | N/A | No | 9.750% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $16774.41 |  | No |  |  |  |  | Yes | Final | Fee Simple | Trust | Business Entity | Individual | xxxxxx | Individual | xxxxxx |  |  | 1 | xxxxxx | 2.375% | xxxxxx | xxxxxx | $7773.06 | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  | Resident Alien Card | Resident Alien Card |  | No | 26.26 |  |  | No | xxxxxx | $214562.16 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 833761 | xxxxxx | N/A |  |  | xxxxxx | No | No | $61954.25 | $18832.60 | xxxxxx | 7.501% | $10370.49 | $10370.49 | 7.375% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $47683.31 | 2 | xxxxxx | $3010.56 | xxxxxx | $250.88 |  |  |  |  |  | 39.773% | 39.773% | 39.773% | 01/27/2025 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $61954.25 | xxxxxx | 6.660% | $0.00 |  |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No | 26 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 28.72 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 833777 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $48587.50 | $49743.25 | xxxxxx | 7.551% | $19822.38 | $19822.38 | 7.375% | No | No | Self-Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $37943.10 | 1 | xxxxxx | $8243.76 | xxxxxx | $686.98 |  |  |  |  |  | 49.669% | 49.669% | 49.669% |  | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 36 | Personal, Business | 95.000% | 50.000% | 50.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Social Security]; 1099-SSA - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $48587.50 | xxxxxx | 6.650% | $0.00 | 4.9 |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $240110.45 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 19.1 |  | No | No | xxxxxx | $64490.44 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 833827 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $7495.46 | $7495.46 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 4 | xxxxxx | $2048.04 | xxxxxx | $170.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/06/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 |  |  |  |  |  |  |  | xxxxxx | $480104.93 | 34.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.19 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 833828 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3361.77 | $3361.77 | 9.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2501.40 | xxxxxx | $208.45 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/30/2025 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 9.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.67 | 1.49 |  |  |  |  |  |  |  | xxxxxx | $5839.47 | 1.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.66 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 833846 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $8718.96 | $8718.96 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1220.28 | xxxxxx | $101.69 | xxxxxx |  | $125.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 03/17/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.82 | 1.22 |  |  |  |  |  |  |  | xxxxxx | $1905359.65 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 111.13 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 833868 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $11845.00 | $12360.00 |  | 8.390% | $3712.49 | $3712.49 | 8.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $37555.00 | 1 | xxxxxx | $5443.08 | xxxxxx | $453.59 | xxxxxx |  | $190.67 |  | Monthly | 43.467% | 43.467% | 43.467% | 03/19/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11845.00 |  | 6.620% | $0.00 | 1 |  |  |  | No | No | 8.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $201552.46 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 6.625% | xxxxxx | xxxxxx | $6403.11 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 67.04 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 833907 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $10695.00 | $13930.49 |  | 8.677% | $3234.11 | $3234.11 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4704.25 | 1 | xxxxxx | $2670.00 | xxxxxx | $222.50 | xxxxxx | xxxxxx | $156.00 |  | Monthly | 49.620% | 49.620% | 49.620% | 04/07/2025 | 677 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 36 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2011<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2011<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $10695.00 |  | 6.620% | $0.00 | 1.6 |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $568280.21 | 88.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 95.38 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 834045 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1790.00 | $5397.86 | xxxxxx | 7.303% | $1585.26 | $1585.26 | 7.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3396.26 | 1 | xxxxxx | $2655.96 | xxxxxx | $221.33 | xxxxxx |  | $120.00 |  | Annually | 46.596% | 46.596% | 46.596% | 02/18/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 59.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2009<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1790.00 | xxxxxx | 6.650% | $1500.00 | 1.2 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $77827.19 | 21.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.95 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 834132 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $3875.00 | $4894.18 | xxxxxx | 9.172% | $1233.25 | $1233.25 | 8.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11244.24 | 1 | xxxxxx | $3508.68 | xxxxxx | $292.39 | xxxxxx | xxxxxx | $100.00 |  | Annually | 43.583% | 43.583% | 43.583% | 01/15/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2015<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 4506-C - 2016<br> [Borrower]; 4506-C - 2015<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3875.00 | xxxxxx | 6.650% | $0.00 | 2.7 |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 6 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $9628.36 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 2.375% | xxxxxx | xxxxxx | $2197.33 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.47 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 834143 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $6095.00 | $6031.25 |  | 10.081% | $1933.10 | $1933.10 | 9.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $35182.85 | 1 | xxxxxx | $8877.96 | xxxxxx | $739.83 |  |  |  |  |  | 32.171% | 32.171% | 32.171% | 03/20/2025 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 49.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $6095.00 |  | 6.620% | $0.00 | 3.3 |  |  |  | N/A | No | 9.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $12270.15 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 7.250% | xxxxxx | xxxxxx | $8527.20 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 17.89 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 834156 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $12404.31 | $16708.45 |  | 7.849% | $2547.97 | $2547.97 | 7.375% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $14279.35 | 1 | xxxxxx | $1567.56 | xxxxxx | $130.63 |  |  |  |  |  | 18.798% | 18.798% | 18.798% | 04/08/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 1996<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12404.31 | xxxxxx | 6.810% | $5000.00 | 3.5 |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 5 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $82844.31 | 20.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 22.01 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 834237 | xxxxxx | N/A |  |  | xxxxxx | No | No | $13270.00 | $15379.25 | xxxxxx | 7.854% | $1051.09 | $1051.09 | 6.875% | No | No | Not Employed | Employed | Employed |  | 4.9 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $59372.54 | 1 | xxxxxx | $879.48 | xxxxxx | $73.29 | xxxxxx | xxxxxx | $630.00 |  | Monthly | 35.132% | 35.132% | 35.132% | 02/14/2025 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Employer Letter - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2022 | [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Employer Letter - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13270.00 | xxxxxx | 6.650% | $3000.00 | 2.6 |  |  |  | Yes | No | 6.875% | 0 | 2 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $262048.10 | 100.000% | No |  | 26 | 26 |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 113.27 |  | No | No | xxxxxx | $44628.71 | $46899.89 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 834239 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1313.86 | $1313.86 | 6.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1607.88 | xxxxxx | $133.99 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/10/2025 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx | $93670.19 | 33.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 17.88 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 834248 | xxxxxx | N/A |  |  | xxxxxx | No | No | $7572.50 | $8148.86 | xxxxxx | 7.863% | $1208.68 | $1208.68 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $109267.85 | 1 | xxxxxx | $3237.36 | xxxxxx | $269.78 |  |  |  |  |  | 9.003% | 9.003% | 9.003% | 03/19/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7572.50 | xxxxxx | 6.660% | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $168816.15 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 172.34 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 834309 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $1495.00 | $8753.07 |  | 8.272% | $7567.13 | $7567.13 | 8.250% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $33165.22 | 1 | xxxxxx | $4076.52 | xxxxxx | $339.71 | xxxxxx | xxxxxx | $125.00 |  | Annually | 43.372% | 43.372% | 43.372% | 03/25/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1495.00 |  | 6.740% | $5000.00 | 1 |  |  |  | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $885946.87 | 75.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 113.94 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 834364 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $17667.50 | $18588.83 |  | 7.740% | $2527.46 | $2527.46 | 7.250% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $12223.38 | 1 | xxxxxx | $1245.00 | xxxxxx | $103.75 |  |  |  |  |  | 34.233% | 34.233% | 34.233% | 04/04/2025 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $17667.50 | xxxxxx | 6.650% | $0.00 | 1 |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No | 26 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 834378 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2388.80 | $2388.80 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1807.44 | xxxxxx | $150.62 | xxxxxx |  | $609.00 |  | Annually | 0.000% | 0.000% | 0.000% | 03/12/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | xxxxxx | $109143.94 | 24.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.01 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 834381 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $3377.50 | $4387.62 | xxxxxx | 8.147% | $1087.60 | $1087.60 | 7.875% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $3181.93 | 1 | xxxxxx | $2392.92 | xxxxxx | $199.41 |  |  |  |  |  | 49.072% | 49.072% | 49.072% | 04/18/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 | [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3377.50 | xxxxxx | 6.650% | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $11181.62 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  | 1 | xxxxxx | 2.500% | xxxxxx | xxxxxx | $1323.66 | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 40.2 |  |  | No | xxxxxx | $6247.90 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 834384 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1188.71 | $1188.71 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $626.04 | xxxxxx | $52.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/20/2025 | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.45 | 0.69 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 45.66 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 834403 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2280.54 | $2280.54 | 8.000% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $1833.72 | xxxxxx | $152.81 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/13/2025 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 45.53 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 834416 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $9063.38 | $10194.01 | xxxxxx | 9.412% | $1630.28 | $1630.28 | 8.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $10400.64 | 1 | xxxxxx | $3005.04 | xxxxxx | $250.42 |  |  |  |  |  | 45.008% | 45.008% | 45.008% | 03/14/2025 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% | 100.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9063.38 | xxxxxx | 6.620% | $0.00 |  |  |  |  | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $6093.58 |  | No |  |  |  |  | Yes | Title Search | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 2.500% | xxxxxx | xxxxxx | $2613.30 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 9.18 |  | No | No | xxxxxx | $11483.63 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 834423 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4144.05 | $4144.05 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 3 | xxxxxx | $1753.08 | xxxxxx | $146.09 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/13/2025 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.83 |  |  |  |  |  |  |  | xxxxxx | $547005.12 | 54.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.83 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 834428 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1189.34 | $1189.34 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $1446.96 | xxxxxx | $120.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/25/2025 | 672 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.46 | 0.69 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 17.91 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 834433 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1194.40 | $1194.40 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2231.52 | xxxxxx | $185.96 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/17/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | xxxxxx | $307173.87 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 221.82 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 834447 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $2944.75 | $3873.09 | xxxxxx | 9.441% | $596.73 | $596.73 | 8.875% | No | No | Not Employed | Employed | Self-Employed |  | 30.39 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $5558.10 | 1 | xxxxxx | $1224.00 | xxxxxx | $102.00 | xxxxxx | xxxxxx | $825.00 |  | Monthly | 49.924% | 49.924% | 49.924% | 03/21/2025 | 716 | 702 | 743 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | Yes | 12 | Business | 53.000% |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Annuity]; Other - 2025 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2944.75 | xxxxxx | 6.700% | $0.00 |  |  |  |  | No | No | 8.875% | 0 | 2 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $743298.74 |  | No |  | 26 |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | Individual | Individual | xxxxxx |  |  | 1 | xxxxxx | 4.125% | xxxxxx | xxxxxx | $2214.85 | Yes | Business Entity | No |  | No |  |  |  |  | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 169.49 |  |  | No | xxxxxx | $6908.87 | $4190.55 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 834496 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3157.38 | $3157.38 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $3001.56 | xxxxxx | $250.13 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/25/2025 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.2 |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 85.66 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 834692 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1135.05 | $1135.05 | 6.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1628.88 | xxxxxx | $135.74 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/06/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.51 | 0.66 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 25.3 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 834768 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4930.47 | $4930.47 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $597.00 | xxxxxx | $49.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/06/2025 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.73 | 1.37 |  |  |  |  |  |  |  | xxxxxx | $591.80 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 32.53 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 834779 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $6699.03 | $9771.97 | xxxxxx | 8.378% | $2732.76 | $2732.76 | 8.125% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $7217.34 | 1 | xxxxxx | $1511.04 | xxxxxx | $125.92 | xxxxxx | xxxxxx | $550.00 |  | Annually | 30.496% | 30.496% | 30.496% | 03/13/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Full Documentation (F) | 2yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6699.03 | xxxxxx | 6.650% | $31000.00 | 1 |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $52502.12 | 12.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 7.68 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 834857 | xxxxxx | N/A |  |  | xxxxxx | No | No | $7585.68 | $8841.35 | xxxxxx | 9.385% | $1195.78 | $1195.78 | 8.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $43903.40 | 1 | xxxxxx | $6030.36 | xxxxxx | $502.53 |  |  |  |  |  | 16.771% | 16.771% | 16.771% | 03/27/2025 | 661 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2011 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7585.68 | xxxxxx | 6.660% | $0.00 | 2.6 |  |  |  | Yes | No | 8.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $5000.00 | 3.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 151.83 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 834873 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $6620.00 | $8852.67 | xxxxxx | 7.787% | $3538.97 | $3538.97 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $33867.84 | 1 | xxxxxx | $6465.36 | xxxxxx | $538.78 |  |  |  |  |  | 24.422% | 24.422% | 24.422% | 03/27/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6620.00 | xxxxxx | 6.800% | $0.00 | 3.4 |  |  |  | No | No | 7.625% | 1 |  | 1 | 0 | 2 | 1 |  |  | 5.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $59138.44 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.250% | xxxxxx | xxxxxx | $3579.03 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 26.25 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 834875 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $17066.80 | $7214.18 | xxxxxx | 7.576% | $5375.00 | $6928.10 | 7.500% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $16473.12 | 1 | xxxxxx | $2811.00 | xxxxxx | $234.25 | xxxxxx | xxxxxx | $100.00 |  | Monthly | 40.776% | 35.192% | 40.776% | 03/25/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2011<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $17066.80 | xxxxxx | 6.660% | $8375.00 | 2 |  |  |  | N/A | No | 7.500% | 2 | 2 | 1 | 0 | 2 | 1 |  |  | 15.20 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx | $444517.67 | 41.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 26.08 |  | Yes | No | xxxxxx | $6622.51 | $2480.71 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 834900 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2656.01 | $2656.01 | 6.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $384.00 | xxxxxx | $32.00 | xxxxxx |  | $298.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 03/13/2025 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | Yes | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | xxxxxx | $206180.75 | 35.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.58 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 834930 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1436.82 | $1436.82 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $747.00 | xxxxxx | $62.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/26/2025 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | xxxxxx | $53487.65 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 153.91 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 834980 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1313.75 | $1313.75 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1766.04 | xxxxxx | $147.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/13/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | xxxxxx | $100681.40 | 34.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 69.44 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 835118 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2740.06 | $2740.06 | 8.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $0.00 | xxxxxx | $0.00 | xxxxxx |  | $369.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 02/26/2025 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.87 | 1.15 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 84.07 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 835119 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1585.46 | $1585.46 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1270.92 | xxxxxx | $105.91 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/31/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.2 |  |  |  | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 15 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 835150 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1669.91 | $1669.91 | 7.000% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $1454.52 | xxxxxx | $121.21 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/31/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx | $116180.78 | 34.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.06 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 835196 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1274.03 | $1274.03 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1677.36 | xxxxxx | $139.78 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/15/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.9 |  |  |  |  |  |  |  | xxxxxx | $260265.92 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | 144.97 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 835218 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1194.95 | $1194.95 | 6.875% | No | No |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $1085.04 | xxxxxx | $90.42 | xxxxxx |  | $750.00 |  | Annually | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx | $167666.16 | 61.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.97 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 835232 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $17187.50 | $17187.50 | 6.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $8529.84 | xxxxxx | $710.82 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/27/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.36 | 0.74 |  |  |  |  |  |  | 240 | xxxxxx | $27313.92 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 4.33 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 835250 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $16333.00 | $20126.94 |  | 7.934% | $4650.20 | $4650.20 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $12229.24 | 1 | xxxxxx | $1310.04 | xxxxxx | $109.17 |  |  |  |  |  | 31.099% | 31.099% | 31.099% | 03/27/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16333.00 |  | 6.620% | $0.00 | 2.1 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $7500.00 | 1.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.53 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835309 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1329.26 | $1329.26 | 6.990% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1794.96 | xxxxxx | $149.58 | xxxxxx |  | $251.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 03/17/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.42 | 0.7 |  |  |  |  |  |  |  | xxxxxx | $375640.03 | 83.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 54.4 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 835395 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $6499.00 | $7454.89 | xxxxxx | 8.766% | $2387.48 | $2387.48 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8581.90 | 1 | xxxxxx | $3390.36 | xxxxxx | $282.53 |  |  |  |  |  | 31.161% | 31.161% | 31.161% | 04/01/2025 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6499.00 | xxxxxx | 6.650% | $0.00 | 3 |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.16 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835397 | xxxxxx | N/A |  |  | xxxxxx | No | No | $2045.00 | $5043.11 | xxxxxx | 9.568% | $4204.27 | $4204.27 | 9.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $149611.85 | 3 | xxxxxx | $4365.12 | xxxxxx | $363.76 |  |  |  |  |  | 29.119% | 29.119% | 29.119% | 02/10/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2045.00 | xxxxxx | 6.620% | $0.00 |  |  |  |  | N/A | No | 9.500% | 3 |  | 2 | 0 | 3 | 2 |  |  | 13.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 6.000% | xxxxxx | xxxxxx | $4784.67 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 47.73 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835414 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1588.54 | $1588.54 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1187.04 | xxxxxx | $98.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/03/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | xxxxxx | $640074.53 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 263.78 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 835457 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $2629.00 | $3715.40 | xxxxxx | 7.013% | $16632.56 | $16632.56 | 7.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $87060.42 | 1 | xxxxxx | $31912.80 | xxxxxx | $2659.40 | xxxxxx |  | $2100.00 |  | Annually | 36.851% | 36.851% | 36.851% | 01/09/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; 4506-C (for Business) - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; 4506-C (for Business) - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; 4506-C (for Business) - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2629.00 | xxxxxx | 6.650% | $0.00 |  |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $362694.78 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 19.45 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835461 | xxxxxx | N/A |  |  | xxxxxx | No | No | $2090.00 | $10541.75 | xxxxxx | 7.035% | $7484.65 | $7484.65 | 7.000% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6674.07 | 2 | xxxxxx | $1175.40 | xxxxxx | $97.95 |  |  |  |  |  | 30.061% | 30.061% | 30.061% | 03/07/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2090.00 | xxxxxx | 6.650% | $0.00 |  | DU |  | ApproveEligible | No | No | 7.000% | 3 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $211969.29 | 10.000% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.42 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835468 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $1804.00 | $6137.48 |  | 8.039% | $5139.29 | $5139.29 | 8.000% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $19340.86 | 1 | xxxxxx | $2901.96 | xxxxxx | $241.83 |  |  |  |  |  | 33.353% | 33.353% | 33.353% | 03/28/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1804.00 |  | 6.620% | $0.00 | 1.5 |  |  |  | No | No | 8.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $40956.21 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization | Employment Authorization |  |  | No | 6.04 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835470 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2369.00 | $2606.69 | xxxxxx | 7.938% | $3167.64 | $3167.64 | 7.875% | No | No | Not Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $11014.18 | 1 | xxxxxx | $2130.00 | xxxxxx | $177.50 |  |  |  |  |  | 41.506% | 41.506% | 41.506% | 04/03/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2369.00 | xxxxxx | 6.650% | $0.00 |  |  |  |  | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $31431.64 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 127.03 |  |  | No | xxxxxx | $18829.73 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835474 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $692.41 | $692.41 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1731.00 | xxxxxx | $144.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/19/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.3 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.4 | 0.71 |  |  |  |  |  |  |  | xxxxxx | $7628.10 | 5.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 60.83 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 835484 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3658.16 | $3658.16 | 8.750% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $3739.44 | xxxxxx | $311.62 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/20/2025 | 814 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.69 | 1.44 |  |  |  |  |  |  |  | xxxxxx | $29650.78 | 5.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 21.77 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 835516 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2286.89 | $2286.89 | 8.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $1452.96 | xxxxxx | $121.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/03/2025 | 677 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 25.65 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 835530 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2170.33 | $2170.33 | 6.999% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $0.00 | xxxxxx | $0.00 | xxxxxx |  | $390.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 02/07/2025 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | xxxxxx | $212446.33 | 49.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.72 |  |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 835531 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2328.32 | $2328.32 | 6.999% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 4 | xxxxxx | $1556.04 | xxxxxx | $129.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/28/2025 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.47 | 0.68 |  |  |  |  |  |  |  | xxxxxx | $850.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 102.74 |  |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 835537 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3662.83 | $3662.83 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $609.96 | xxxxxx | $50.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/18/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.77 | 1.3 |  |  |  |  |  |  |  | xxxxxx | $245052.73 | 36.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 11.07 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 835544 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2865.65 | $2865.65 | 7.750% | No | No |  | Non-Employment Income |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $972.00 | xxxxxx | $81.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/28/2025 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - Year Not Available |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.2 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  | 60 |  |  |  |  | xxxxxx | $162586.80 | 33.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 13.39 |  |  |  | xxxxxx | $491.67 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 835574 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3847.87 | $3847.87 | 8.375% | No | No |  |  |  |  | 0 |  |  | xxxxxx | Permanent Resident Alien |  |  |  |  |  |  | 4 | xxxxxx | $3725.04 | xxxxxx | $310.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/03/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.86 |  |  |  |  |  |  |  | xxxxxx | $569664.23 | 84.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 77.91 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 835575 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3135.30 | $3135.30 | 8.375% | No | No |  |  |  |  | 0 |  |  | xxxxxx | Permanent Resident Alien |  |  |  |  |  |  | 4 | xxxxxx | $3650.04 | xxxxxx | $304.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/03/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.61 | 0.62 |  |  |  |  |  |  |  | xxxxxx | $742984.17 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 99.71 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 835577 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3847.87 | $3847.87 | 8.375% | No | No |  |  |  |  | 0 |  |  | xxxxxx | Permanent Resident Alien |  |  |  |  |  |  | 4 | xxxxxx | $3426.00 | xxxxxx | $285.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/03/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.52 | 0.66 |  |  |  |  |  |  |  | xxxxxx | $742984.17 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 84.08 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 835580 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $15052.13 | $17770.40 | xxxxxx | 8.010% | $3423.95 | $3423.95 | 7.625% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $14653.79 | 1 | xxxxxx | $1476.36 | xxxxxx | $123.03 | xxxxxx |  | $850.00 |  | Monthly | 34.872% | 34.872% | 34.872% | 03/22/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $15052.13 | xxxxxx | 6.650% | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $803360.34 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 123.89 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835586 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2850.27 | $2850.27 | 8.375% | No | No |  |  |  |  | 0 |  |  | xxxxxx | Permanent Resident Alien |  |  |  |  |  |  | 3 | xxxxxx | $3359.04 | xxxxxx | $279.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/03/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | xxxxxx | $742984.17 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 107.84 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 835594 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $18644.00 | $20487.60 | xxxxxx | 7.851% | $6653.26 | $6653.26 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $33834.63 | 1 | xxxxxx | $13124.04 | xxxxxx | $1093.67 |  |  |  |  |  | 20.599% | 20.599% | 20.599% | 03/11/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $18644.00 | xxxxxx | 6.810% | $5000.00 | 1.2 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $50000.00 | 4.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.78 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835632 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2364.00 | $3724.80 | xxxxxx | 7.529% | $8530.42 | $8530.42 | 7.500% | No | No | Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $22553.81 | 1 | xxxxxx | $2730.00 | xxxxxx | $227.50 | xxxxxx |  | $4320.00 |  | Annually | 46.620% | 46.620% | 46.620% | 03/22/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Tax Return Extension - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Tax Return Extension - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Tax Return Extension - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2364.00 | xxxxxx | 6.650% | $0.00 | 999 |  |  |  | No | No | 7.500% | 3 | 3 | 2 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $136088.47 | 9.000% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 12.77 |  | No | No | xxxxxx | $22399.79 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835643 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $7431.83 | $7431.83 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2779.20 | xxxxxx | $231.60 | xxxxxx |  | $583.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 04/01/2025 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | xxxxxx | $505096.65 | 36.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.5 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 835660 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $17464.00 | $19483.38 | xxxxxx | 7.361% | $5255.00 | $5255.00 | 7.125% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $40630.31 | 1 | xxxxxx | $8425.92 | xxxxxx | $702.16 | xxxxxx |  | $457.00 |  | Monthly | 24.898% | 24.898% | 24.898% | 03/28/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 25.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $17464.00 | xxxxxx | 6.620% | $18889.00 | 1.2 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $329212.06 | 23.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 14.67 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835681 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2085.19 | $2085.19 | 7.750% | No | No |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $2694.96 | xxxxxx | $224.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  |  |  |  |  | xxxxxx | $160844.20 | 39.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.5 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 835723 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10087.28 | $14170.73 | xxxxxx | 9.272% | $3636.89 | $3636.89 | 9.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9127.56 | 1 | xxxxxx | $3697.92 | xxxxxx | $308.16 | xxxxxx | xxxxxx | $210.00 |  | Annually | 38.738% | 38.738% | 38.738% | 03/19/2025 | 648 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2001 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10087.28 | xxxxxx | 6.620% | $6000.00 | 3.1 |  |  |  | Yes | No | 9.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $164913.50 | 29.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.32 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835778 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $4822.00 | $5446.87 | xxxxxx | 8.950% | $2360.10 | $2360.10 | 8.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3214.61 | 1 | xxxxxx | $696.96 | xxxxxx | $58.08 |  |  |  |  |  | 45.737% | 45.737% | 45.737% | 04/07/2025 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4822.00 | xxxxxx | 6.620% | $0.00 | 1 |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $10966.66 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 73.09 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835785 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $8361.30 | $10463.10 | xxxxxx | 8.158% | $2489.27 | $2489.27 | 7.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $22761.75 | 1 | xxxxxx | $1795.68 | xxxxxx | $149.64 | xxxxxx | xxxxxx | $550.00 |  | Annually | 15.349% | 15.349% | 15.349% | 03/20/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - Year Not Available | [Borrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8361.30 | xxxxxx | 6.700% | $18500.00 | 1.3 |  |  |  | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $35058.76 | 9.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 15.8 |  |  | No | xxxxxx | $13444.50 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835786 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1158.25 | $1158.25 | 7.990% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1799.04 | xxxxxx | $149.92 | xxxxxx |  | $230.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 03/27/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.6 |  |  |  | N/A | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 82.18 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 835799 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $4619.50 | $6147.65 | xxxxxx | 8.261% | $1687.66 | $1687.66 | 8.000% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $3893.73 | 1 | xxxxxx | $2354.04 | xxxxxx | $196.17 |  |  |  |  |  | 49.624% | 49.624% | 49.624% | 02/04/2025 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4619.50 | xxxxxx | 6.700% | $0.00 | 1 |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 4 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $27150.29 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization | Employment Authorization |  |  | No | 99.48 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835841 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $5222.50 | $6286.47 | xxxxxx | 7.638% | $3055.57 | $3055.57 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $41425.68 | 1 | xxxxxx | $2053.44 | xxxxxx | $171.12 | xxxxxx | xxxxxx | $750.00 |  | Annually | 9.464% | 9.464% | 9.464% | 04/03/2025 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5222.50 | xxxxxx | 6.620% | $0.00 | 2.6 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $68034.75 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 14.5 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835872 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2046.42 | $2046.42 | 7.125% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 4 | xxxxxx | $3200.04 | xxxxxx | $266.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/21/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.75 |  |  |  |  |  |  |  | xxxxxx | $10000.00 | 2.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 15.36 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 835892 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2447.25 | $2447.25 | 7.500% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  | 1 | xxxxxx | $10541.04 | xxxxxx | $878.42 | xxxxxx |  | $235.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.9 | 1.11 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 65.38 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 835893 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2115.56 | $2115.56 | 8.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1083.96 | xxxxxx | $90.33 | xxxxxx |  | $47.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 03/31/2025 | 668 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.89 | 1.13 |  |  |  |  |  |  |  | xxxxxx | $875127.42 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 282.31 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 835959 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $5850.00 | $7970.00 | xxxxxx | 9.442% | $1448.32 | $1448.32 | 9.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $18354.81 | 1 | xxxxxx | $6979.08 | xxxxxx | $581.59 |  |  |  |  |  | 27.499% | 27.499% | 27.499% | 04/01/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5850.00 | xxxxxx | 6.620% | $0.00 | 1.8 |  |  |  | Yes | No | 9.000% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $13721.15 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.500% | xxxxxx | xxxxxx | $3086.38 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 23.07 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835982 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3606.54 | $3606.54 | 8.375% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $3437.64 | xxxxxx | $286.47 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.5 |  |  |  | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.83 | 1.2 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 16.29 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 835987 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $38350.00 | $38104.36 | xxxxxx | 8.351% | $8805.18 | $8805.18 | 8.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $30154.88 | 1 | xxxxxx | $2727.00 | xxxxxx | $227.25 |  |  |  |  |  | 28.566% | 28.566% | 28.566% | 04/21/2025 | 663 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No | xxxxxx | xxxxxx | $38350.00 | xxxxxx | 6.810% | $0.00 |  |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $10371.81 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 55.6 |  |  | No | xxxxxx | $0.00 | $0.00 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836003 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $11144.00 | $26634.59 |  | 7.532% | $26430.31 | $26430.31 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $92574.71 | 1 | xxxxxx | $40824.36 | xxxxxx | $3402.03 |  |  |  |  |  | 38.036% | 38.036% | 38.036% | 04/07/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11144.00 |  | 6.620% | $0.00 | 1.8 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $1861122.39 | 34.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.81 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836009 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $8919.00 | $13325.25 | xxxxxx | 7.944% | $3839.97 | $3839.97 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $23600.54 | 1 | xxxxxx | $1742.04 | xxxxxx | $145.17 | xxxxxx | xxxxxx | $42.00 |  | Monthly | 24.501% | 24.501% | 24.501% | 05/02/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8919.00 | xxxxxx | 6.620% | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $274317.28 | 41.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.09 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836075 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2845.00 | $3939.25 | xxxxxx | 9.684% | $822.68 | $822.68 | 9.250% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7352.09 | 1 | xxxxxx | $842.04 | xxxxxx | $70.17 | xxxxxx |  | $431.00 |  | Monthly | 33.254% | 33.254% | 33.254% | 03/20/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2845.00 | xxxxxx | 6.620% | $0.00 | 1.1 |  |  |  | Yes | No | 9.250% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 2.125% | xxxxxx | xxxxxx | $1414.79 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 29.93 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836077 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $6150.00 | $7483.75 | xxxxxx | 8.809% | $1922.28 | $1922.28 | 8.500% | No | No | Employed | Employed | Employed | Employed | 3.47 | 14.39 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  | $7716.53 | 1 | xxxxxx | $1311.12 | xxxxxx | $109.26 |  |  |  |  |  | 44.658% | 44.658% | 44.658% | 03/25/2025 | 797 | 806 | 811 | 789 | 810 | 816 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6150.00 | xxxxxx | 6.650% | $0.00 | 1 |  |  |  | Yes | No | 8.500% | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | Individual | Individual | 1 | xxxxxx | 2.750% | xxxxxx | xxxxxx | $2008.55 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  | No | 51.1 |  |  | No | xxxxxx | $0.00 | $9436.64 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836146 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $707.79 | $707.79 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2358.36 | xxxxxx | $196.53 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/24/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.68 | 0.6 |  |  |  |  |  |  |  | xxxxxx | $118213.12 | 56.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.44 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 836165 | xxxxxx | N/A |  |  | xxxxxx | No | No | $2222.81 | $3976.99 |  | 7.985% | $1747.27 | $1747.27 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $368460.95 | 1 | xxxxxx | $710.04 | xxxxxx | $59.17 | xxxxxx | xxxxxx | $173.00 |  | Monthly | 1.276% | 1.276% | 1.399% | 04/24/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2222.81 |  | 6.620% | $3843.75 |  |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx | $332706.50 | 94.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 176.3 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836175 | xxxxxx | N/A |  |  | xxxxxx | No | No | $10220.62 | $4091.90 |  | 8.366% | $1202.85 | $1202.85 | 8.125% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10593.93 | 1 | xxxxxx | $827.04 | xxxxxx | $68.92 | xxxxxx | xxxxxx | $1920.00 |  | Annually | 48.633% | 48.633% | 48.633% | 03/10/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - VA Service Related Disability]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $10220.62 |  | 6.700% | $0.00 | 1 |  |  |  | Yes | No | 8.125% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $229579.80 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 124.85 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836204 | xxxxxx | N/A |  |  | xxxxxx | No | No | $24945.00 | $14244.64 | xxxxxx | 9.586% | $1849.87 | $1849.87 | 8.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $145252.50 | 1 | xxxxxx | $3996.36 | xxxxxx | $333.03 | xxxxxx |  | $1704.00 |  | Annually | 17.874% | 17.874% | 17.874% | 03/26/2025 | 664 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $24945.00 | xxxxxx | 6.700% | $0.00 |  |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $184328.30 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 138.33 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836208 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $9135.00 | $9125.47 | xxxxxx | 9.104% | $3707.71 | $3707.71 | 8.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $14827.13 | 1 | xxxxxx | $1890.24 | xxxxxx | $157.52 |  |  |  |  |  | 34.290% | 34.290% | 34.290% | 03/25/2025 | 665 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2013 | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2013 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $9135.00 | xxxxxx | 6.700% | $0.00 | 2.6 |  |  |  | Yes | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 22.74 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836211 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1305.38 | $1305.38 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2122.80 | xxxxxx | $176.90 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/24/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.5 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.89 |  |  |  |  |  |  |  | xxxxxx | $112315.58 | 42.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 13.52 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 836269 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $13592.99 | $13592.99 | 8.000% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $5877.96 | xxxxxx | $489.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/11/2025 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $21026.65 |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 9.45 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 836283 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1803.04 | $1803.04 | 8.250% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  | 1 | xxxxxx | $1680.96 | xxxxxx | $140.08 | xxxxxx |  | $260.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.92 | 1.09 |  |  |  |  |  |  |  | xxxxxx | $225237.15 | 58.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 56.58 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 836291 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1706.67 | $1706.67 | 8.000% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1890.36 | xxxxxx | $157.53 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/08/2025 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 51.15 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 836311 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $16040.00 | $15523.76 | xxxxxx | 7.485% | $8604.17 | $11171.54 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $15445.55 | 1 | xxxxxx | $4382.04 | xxxxxx | $365.17 | xxxxxx |  | $117.00 |  | Monthly | 46.864% | 38.032% | 46.864% | 03/13/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $16040.00 | xxxxxx | 6.810% | $0.00 | 1 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx | $302737.84 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 21.88 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836328 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $18755.00 | $22239.06 | xxxxxx | 7.946% | $7450.69 | $7450.69 | 7.750% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $14913.82 | 2 | xxxxxx | $3741.00 | xxxxxx | $311.75 |  |  |  |  |  | 42.639% | 42.639% | 42.639% | 04/08/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $18755.00 | xxxxxx | 6.740% | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $2668.49 |  | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 107.12 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836351 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1761.03 | $1761.03 | 8.000% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  | 1 | xxxxxx | $1714.08 | xxxxxx | $142.84 | xxxxxx |  | $260.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 113.86 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 836387 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2847.72 | $2847.72 | 9.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $2877.00 | xxxxxx | $239.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/23/2025 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.64 | 1.56 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 72.63 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 836393 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1837.68 | $1837.68 | 8.125% | No | No |  |  |  |  | 0 | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | 1 | xxxxxx | $1467.96 | xxxxxx | $122.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/17/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified | Level 2-Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.6 |  |  |  | No | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  | No | 107.06 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 836399 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $2395.00 | $3990.50 | xxxxxx | 8.450% | $3049.79 | $3049.79 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5617.36 | 1 | xxxxxx | $3084.96 | xxxxxx | $257.08 |  |  |  |  |  | 47.814% | 47.814% | 47.814% | 04/10/2025 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2395.00 | xxxxxx | 6.740% | $0.00 | 1.5 |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $5865.79 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.98 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836410 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $12952.50 | $18125.20 | xxxxxx | 9.431% | $7245.71 | $7245.71 | 9.250% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $56307.84 | 1 | xxxxxx | $1806.96 | xxxxxx | $150.58 |  |  |  |  |  | 12.769% | 12.769% | 12.769% | 03/10/2025 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 0 | 0 | No | xxxxxx | xxxxxx | $12952.50 | xxxxxx | 6.700% | $0.00 |  |  |  |  | No | No | 9.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No | 27 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 27.45 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836419 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2475.00 | $8176.04 | xxxxxx | 8.050% | $6112.26 | $6112.26 | 8.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $16923.15 | 1 | xxxxxx | $1089.00 | xxxxxx | $90.75 |  |  |  |  |  | 42.814% | 42.814% | 42.814% | 03/20/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2475.00 | xxxxxx | 6.700% | $0.00 | 1 |  |  |  | No | No | 8.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $20000.00 | 2.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 102.88 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836449 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $4355.00 | $6403.52 | xxxxxx | 7.505% | $2762.71 | $2762.71 | 7.375% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $12139.25 | 1 | xxxxxx | $2054.04 | xxxxxx | $171.17 |  |  |  |  |  | 30.626% | 30.626% | 30.626% | 04/15/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4355.00 | xxxxxx | 6.740% | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 100.06 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836521 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $11545.25 | $14014.66 | xxxxxx | 9.033% | $3736.83 | $3736.83 | 8.750% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $47982.54 | 1 | xxxxxx | $2130.96 | xxxxxx | $177.58 | xxxxxx | xxxxxx | $275.00 |  | Monthly | 17.934% | 17.934% | 17.934% | 04/15/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 51.000% | 49.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2017<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2016<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2017<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2016<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - Year Not Available | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2017<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2016<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2017<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2016<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11545.25 | xxxxxx | 6.700% | $0.00 |  |  |  |  | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $29193.54 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 5.375% | xxxxxx | xxxxxx | $5151.74 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 35.69 |  |  | No | xxxxxx | $28649.50 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836536 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3538.94 | $3538.94 | 8.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2735.04 | xxxxxx | $227.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/14/2025 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.91 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 18.94 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 836541 | xxxxxx | N/A |  |  | xxxxxx | No | No | $9970.00 | $8510.44 | xxxxxx | 7.662% | $1813.02 | $1813.02 | 7.375% | No | No | Not Employed | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $13910.24 | 1 | xxxxxx | $1818.96 | xxxxxx | $151.58 |  |  |  |  |  | 21.277% | 21.277% | 21.277% | 04/12/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9970.00 | xxxxxx | 6.810% | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 2 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $19140.69 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 100.48 |  | No | No | xxxxxx | $0.00 | $17669.86 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836546 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $995.00 | $7473.82 | xxxxxx | 8.289% | $5637.50 | $6986.94 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $41760.51 | 1 | xxxxxx | $1992.00 | xxxxxx | $166.00 |  |  |  |  |  | 14.984% | 12.237% | 14.984% | 04/15/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $995.00 | xxxxxx | 6.810% | $10000.00 | 5 |  |  |  | No | No | 8.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx | $330898.98 | 32.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 28.1 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836591 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $6175.69 | $8020.86 | xxxxxx | 9.916% | $1911.48 | $1911.48 | 9.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7992.05 | 1 | xxxxxx | $2367.96 | xxxxxx | $197.33 |  |  |  |  |  | 33.037% | 33.037% | 33.037% | 03/24/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - Year Not Available | [Borrower]; 1040 - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6175.69 | xxxxxx | 6.810% | $0.00 | 1.7 |  |  |  | N/A | No | 9.500% | 2 |  | 2 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | xxxxxx | $123.77 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 2.875% | xxxxxx | xxxxxx | $746.81 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 39.9 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836603 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1519.39 | $1519.39 | 8.570% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $883.08 | xxxxxx | $73.59 | xxxxxx |  | $650.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 03/04/2025 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 2 | 97.44 | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.570% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.87 | 1.15 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 20.66 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 836611 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2140.00 | $5572.30 |  | 7.655% | $5839.30 | $5839.30 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $93594.42 | 1 | xxxxxx | $7150.68 | xxxxxx | $595.89 |  |  |  |  |  | 8.749% | 8.749% | 8.749% | 04/14/2025 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2140.00 |  | 6.700% | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $105399.00 | 10.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 66.76 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836613 | xxxxxx | N/A |  |  | xxxxxx | No | No | $6665.00 | $7571.80 | xxxxxx | 9.402% | $1304.86 | $1304.86 | 8.875% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7997.88 | 1 | xxxxxx | $3579.96 | xxxxxx | $298.33 | xxxxxx | xxxxxx | $250.00 |  | Annually | 44.966% | 44.966% | 44.966% | 04/10/2025 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Annuity]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2021 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6665.00 | xxxxxx | 6.810% | $5125.00 | 2.8 |  |  |  | Yes | No | 8.875% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $32838.85 | 16.000% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.87 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836631 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1278.80 | $1278.80 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $482.04 | xxxxxx | $40.17 | xxxxxx |  | $36.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 04/04/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 111.24 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 836662 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $4670.00 | $4975.83 | xxxxxx | 10.375% | $1042.02 | $1042.02 | 9.875% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9081.13 | 1 | xxxxxx | $6371.04 | xxxxxx | $530.92 | xxxxxx |  | $48.00 |  | Monthly | 45.421% | 45.421% | 45.421% | 04/09/2025 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4670.00 | xxxxxx | 6.740% | $0.00 | 1 |  |  |  | Yes | No | 9.875% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $308.72 |  | No | 0 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.250% | xxxxxx | xxxxxx | $3662.19 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 18.33 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836668 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1486.36 | $1486.36 | 7.625% | No | No |  |  |  |  | 0 |  |  | Foreign National | Foreign National |  |  | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $1722.72 | xxxxxx | $143.56 | xxxxxx |  | $146.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | xxxxxx | $117346.61 | 39.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.09 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 836703 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $10576.00 | $15055.50 | xxxxxx | 8.525% | $6384.61 | $6384.61 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $31268.71 | 2 | xxxxxx | $2063.04 | xxxxxx | $171.92 |  |  |  |  |  | 37.502% | 37.502% | 37.502% | 03/18/2025 | 813 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10576.00 | xxxxxx | 6.740% | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $33935.54 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 111.37 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836708 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $4974.00 | $6138.50 | xxxxxx | 8.317% | $1087.60 | $1087.60 | 7.875% | No | No | Self-Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $12025.75 | 1 | xxxxxx | $2081.04 | xxxxxx | $173.42 |  |  |  |  |  | 44.643% | 44.643% | 44.643% | 03/09/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2002<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024 | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2002<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4974.00 | xxxxxx | 6.810% | $3500.00 |  |  |  |  | N/A | No | 7.875% | 0 | 1 | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $399818.30 | 92.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 86.02 |  | No | No | xxxxxx | $0.00 | $2137.20 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836718 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $8995.00 | $14360.57 | xxxxxx | 8.059% | $4930.47 | $4930.47 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10924.15 | 1 | xxxxxx | $3522.96 | xxxxxx | $293.58 |  |  |  |  |  | 47.046% | 47.046% | 47.046% | 03/10/2025 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8995.00 | xxxxxx | 6.880% | $7000.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $47877.82 | 6.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.77 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836741 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $8764.78 | $10890.23 | xxxxxx | 9.530% | $3113.74 | $3113.74 | 9.250% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $21361.79 | 1 | xxxxxx | $1934.16 | xxxxxx | $161.18 |  |  |  |  |  | 36.223% | 36.223% | 36.223% | 04/02/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $8764.78 | xxxxxx | 6.810% | $0.00 | 1.2 |  |  |  | No | No | 9.250% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $39505.66 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  | 1 | xxxxxx | 6.750% | xxxxxx | xxxxxx | $6220.06 | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 21.66 |  |  | No | xxxxxx | $33494.35 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836745 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $18035.40 | $22664.90 | xxxxxx | 8.011% | $10441.00 | $10441.00 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $39322.96 | 1 | xxxxxx | $5573.04 | xxxxxx | $464.42 | xxxxxx |  | $3400.00 |  | Annually | 29.889% | 29.889% | 29.889% | 04/14/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Other - 1998 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $18035.40 | xxxxxx | 6.810% | $0.00 |  |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $29904.99 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 104.73 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836752 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3515.79 | $3515.79 | 7.750% | No | No |  |  |  |  | 0 |  |  | Foreign National | Foreign National |  |  | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $1803.96 | xxxxxx | $150.33 | xxxxxx |  | $488.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.88 | 1.13 |  |  |  |  |  |  |  | xxxxxx | $367793.95 | 49.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 836766 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1094.32 | $1094.32 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1181.40 | xxxxxx | $98.45 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/09/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.6 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.76 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 108.44 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 836769 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $3285.18 | $4230.58 | xxxxxx | 9.303% | $796.44 | $796.44 | 8.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $2388.95 | 1 | xxxxxx | $1329.96 | xxxxxx | $110.83 | xxxxxx |  | $160.00 |  | Annually | 43.796% | 43.796% | 43.796% | 04/23/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 1996<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 1995<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 1995<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 1995<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3285.18 | xxxxxx | 6.810% | $0.00 |  |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $2671.71 |  | No |  |  |  |  | Yes | Title Search | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.068% | xxxxxx | xxxxxx | $765.51 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 30.67 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836774 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $1895.00 | $10445.30 | xxxxxx | 8.699% | $6533.43 | $6533.43 | 8.625% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $20786.60 | 1 | xxxxxx | $5825.76 | xxxxxx | $485.48 | xxxxxx |  | $500.00 |  | Annually | 35.821% | 35.821% | 35.821% | 04/01/2025 | 643 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 1 | 0 | No | xxxxxx | xxxxxx | $1895.00 | xxxxxx | 6.880% | $414786.19 | 3 |  |  |  | No | No | 8.625% | 2 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $117722.55 | 8.000% | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.34 |  |  | No | xxxxxx | $0.00 | $0.00 | 2 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836779 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $5665.00 | $7927.79 | xxxxxx | 8.191% | $2531.49 | $2531.49 | 8.000% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $3304.15 | 1 | xxxxxx | $1047.48 | xxxxxx | $87.29 |  |  |  |  |  | 49.173% | 49.173% | 49.173% | 04/02/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - Year Not Available | [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5665.00 | xxxxxx | 6.620% | $0.00 | 1 |  |  |  | Yes | No | 8.000% | 0 |  | 2 | 0 | 2 | 2 |  |  | 15.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 30.59 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | Yes | No | No | No | Mortgagor Focused |
| xxxxxx | 836782 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $13117.50 | $31643.66 | xxxxxx | 7.704% | $9907.87 | $9907.87 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $350993.31 | 1 | xxxxxx | $3008.04 | xxxxxx | $250.67 |  |  |  |  |  | 4.781% | 4.781% | 4.781% | 04/23/2025 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 59.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 59.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 59.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 59.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 59.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13117.50 | xxxxxx | 6.810% | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $136870.55 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 38.47 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836798 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2917.50 | $3038.40 | xxxxxx | 9.229% | $803.60 | $803.60 | 8.875% | No | No | Non-Employment Income | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $4230.07 | 1 | xxxxxx | $782.88 | xxxxxx | $65.24 | xxxxxx |  | $558.00 |  | Monthly | 49.334% | 49.334% | 49.334% | 03/21/2025 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - Year Not Available | [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2917.50 | xxxxxx | 6.810% | $0.00 | 1 |  |  |  | No | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  | 151 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 3.000% | xxxxxx | xxxxxx | $1559.93 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 26.88 |  |  | No | xxxxxx | $0.00 | $7000.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836844 | xxxxxx | N/A |  |  | xxxxxx | No | No | $45454.00 | $18234.05 |  | 8.430% | $6875.00 | $6875.00 | 8.250% | No | No | Not Employed | Self-Employed | Self-Employed |  | 17.15 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $156170.91 | 1 | xxxxxx | $2777.04 | xxxxxx | $231.42 |  |  |  |  |  | 29.444% | 29.444% | 30.187% | 03/24/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Business License - Year Not Available | [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Business License - Year Not Available | Alternative Documentation (A) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $45454.00 |  | 6.620% | $0.00 | 1 |  |  |  | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx | $262503.69 | 21.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 9.95 |  | No | Yes | xxxxxx | $221342.80 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836860 | xxxxxx | N/A |  |  | xxxxxx | No | No | $17743.20 | $22096.72 | xxxxxx | 9.138% | $4562.86 | $4562.86 | 8.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $79470.01 | 1 | xxxxxx | $2145.96 | xxxxxx | $178.83 |  |  |  |  |  | 37.943% | 37.943% | 37.943% | 04/23/2025 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $17743.20 | xxxxxx | 6.810% | $0.00 |  |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $21750.00 | 3.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.78 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836927 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1861.66 | $1861.66 | 7.500% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $788.04 | xxxxxx | $65.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/31/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 117.64 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 836932 | xxxxxx | N/A |  |  | xxxxxx | No | No | $44313.45 | $4097.12 | xxxxxx | 8.050% | $6081.07 | $6081.07 | 8.000% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $30051.78 | 1 | xxxxxx | $7446.00 | xxxxxx | $620.50 |  |  |  |  |  | 28.178% | 28.178% | 28.178% | 03/25/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; Account Transcripts - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; Account Transcripts - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $44313.45 | xxxxxx | 6.880% | $0.00 | 1 |  |  |  | N/A | No | 8.000% | 1 | 2 | 2 | 0 | 0 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $328020.64 | 34.000% | No | 4 | 28 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 38.95 |  | No | No | xxxxxx | $0.00 | $34437.71 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836940 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $26740.00 | $33064.45 |  | 10.041% | $7012.41 | $7012.41 | 9.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $40363.43 | 3 | xxxxxx | $3867.84 | xxxxxx | $322.32 |  |  |  |  |  | 31.477% | 31.477% | 31.477% | 04/22/2025 | 677 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $26740.00 |  | 6.740% | $0.00 |  |  |  |  | N/A | No | 9.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $18715.77 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 39.36 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836956 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1887.88 | $1887.88 | 7.500% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $1425.00 | xxxxxx | $118.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/07/2025 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.77 |  |  |  |  |  |  |  | xxxxxx | $303348.91 | 67.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 39.26 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 837022 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $5442.88 | $7730.49 | xxxxxx | 8.558% | $2523.44 | $2523.44 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8595.64 | 1 | xxxxxx | $1261.56 | xxxxxx | $105.13 | xxxxxx |  | $4000.00 |  | Annually | 37.602% | 37.602% | 37.602% | 04/25/2025 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5442.88 | xxxxxx | 6.870% | $10000.00 |  |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $5000.00 | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.93 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837035 | xxxxxx | N/A |  |  | xxxxxx | No | No | $80325.00 | $12338.88 | xxxxxx | 7.658% | $10829.24 | $10829.24 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $295214.11 | 1 | xxxxxx | $6318.84 | xxxxxx | $526.57 | xxxxxx |  | $2750.00 |  | Monthly | 30.453% | 30.453% | 30.453% | 01/14/2025 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 90.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $80325.00 | xxxxxx | 6.880% | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $551370.57 | 22.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.04 |  | No | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837061 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1595.00 | $3842.10 | xxxxxx | 9.624% | $2735.81 | $2735.81 | 9.500% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $19476.12 | 1 | xxxxxx | $3986.28 | xxxxxx | $332.19 | xxxxxx | xxxxxx | $385.00 |  | Monthly | 45.258% | 45.258% | 45.258% | 03/20/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 67.000% | 50.000% | 50.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; Paystubs - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Pension]; Paystubs - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1595.00 | xxxxxx | 6.430% | $0.00 | 4.1 |  |  |  | Yes | No | 9.500% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $15570.54 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 6.125% | xxxxxx | xxxxxx | $6981.45 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 6.88 |  | No | No | xxxxxx | $12297.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837097 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1414.97 | $1414.97 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $612.96 | xxxxxx | $51.08 | xxxxxx |  | $720.00 |  | Annually | 0.000% | 0.000% | 0.000% | 03/17/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.73 |  |  |  |  |  |  |  | xxxxxx | $69288.76 | 27.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.37 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 837099 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $7547.50 | $14622.57 |  | 8.685% | $11620.17 | $11620.17 | 8.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $31962.72 | 1 | xxxxxx | $5928.00 | xxxxxx | $494.00 |  |  |  |  |  | 40.495% | 40.495% | 40.495% | 02/25/2025 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7547.50 | xxxxxx | 6.880% | $0.00 | 4.1 |  |  |  | No | No | 8.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $341624.64 | 19.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.08 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837109 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $16775.00 | $5613.00 | xxxxxx | 9.388% | $4113.38 | $4113.38 | 9.250% | No | No | Not Employed | Self-Employed | Self-Employed |  | 9.79 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $13299.76 | 1 | xxxxxx | $2094.12 | xxxxxx | $174.51 |  |  |  |  |  | 47.878% | 47.878% | 47.878% | 03/21/2025 | 799 | 797 | 818 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2015 | [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2015 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16775.00 | xxxxxx | 6.700% | $0.00 | 2.6 |  |  |  | No | No | 9.250% | 0 | 2 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx | Individual | xxxxxx |  |  | 1 | xxxxxx | 2.875% | xxxxxx | xxxxxx | $3350.67 | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 55.11 |  | No | No | xxxxxx | $25516.75 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837129 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $9461.25 | $11629.90 | xxxxxx | 7.689% | $2364.87 | $2364.87 | 7.375% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5737.96 | 1 | xxxxxx | $1416.96 | xxxxxx | $118.08 | xxxxxx | xxxxxx | $325.00 |  | Annually | 49.301% | 49.301% | 49.301% | 04/30/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9461.25 | xxxxxx | 6.880% | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other | Not Stated |  |  |  | xxxxxx | $519469.76 | 100.000% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 182.81 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837154 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $29386.00 | $39981.83 | xxxxxx | 9.554% | $10773.76 | $10773.76 | 9.250% | No | No | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $86458.03 | 1 | xxxxxx | $9090.96 | xxxxxx | $757.58 | xxxxxx | xxxxxx | $205.00 |  | Monthly | 13.542% | 13.542% | 13.542% | 04/15/2025 | 674 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Royalty]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Royalty]; Royalty Agreement - 2025<br> [Borrower - xxxxxx \| Primary Income - Royalty]; Royalty Agreement - 2025<br> [Borrower - xxxxxx \| Primary Income - Royalty]; 1099 - 2024<br> [Borrower - xxxxxx \| Primary Income - Royalty]; 1099 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $29386.00 | xxxxxx | 6.880% | $0.00 |  |  |  |  | N/A | No | 9.250% | 0 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $825194.65 | 49.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 47.21 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837184 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2922.07 | $2922.07 | 8.000% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $410.04 | xxxxxx | $34.17 | xxxxxx |  | $894.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 02/22/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.5 |  |  |  | No | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.61 | 1.63 |  |  |  |  |  |  |  | xxxxxx | $222397.21 | 39.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 2.96 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 837216 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $35355.00 | $24231.40 | xxxxxx | 8.428% | $8316.52 | $8316.52 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $15967.40 | 1 | xxxxxx | $2439.00 | xxxxxx | $203.25 |  |  |  |  |  | 48.092% | 48.092% | 48.092% | 05/06/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  | Audited | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Audited P&L - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $35355.00 | xxxxxx | 6.880% | $34000.00 |  |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $109625.68 | 9.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.25 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837234 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $690.68 | $690.68 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $909.00 | xxxxxx | $75.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/02/2025 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.48 | 0.68 |  |  |  |  |  |  |  | xxxxxx | $130536.52 | 67.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.16 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 837305 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $7243.17 | $7243.17 | 8.500% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $402.96 | xxxxxx | $33.58 | xxxxxx |  | $1830.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 04/16/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.7 |  |  |  | No | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.57 | 1.75 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 82.49 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 837339 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $848.33 | $848.33 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1221.00 | xxxxxx | $101.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/23/2025 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.79 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 74.67 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 837363 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $12805.00 | $14829.78 |  | 7.697% | $2155.68 | $2155.68 | 7.250% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $4053.91 | 1 | xxxxxx | $2192.04 | xxxxxx | $182.67 | xxxxxx |  | $1112.00 |  | Annually | 45.948% | 45.948% | 45.948% | 04/14/2025 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12805.00 |  | 6.740% | $20000.00 | 2.3 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $39674.88 | 10.000% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 4.19 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837367 | xxxxxx | N/A |  |  | xxxxxx | No | No | $19248.00 | $8026.50 | xxxxxx | 8.301% | $2952.17 | $2952.17 | 8.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9361.32 | 1 | xxxxxx | $2184.00 | xxxxxx | $182.00 | xxxxxx | xxxxxx | $1719.00 |  | Annually | 44.397% | 44.397% | 44.397% | 04/18/2025 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2020 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $19248.00 | xxxxxx | 6.880% | $0.00 | 2.5 |  |  |  | No | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 16.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $162104.82 | 33.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.32 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837368 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $8370.00 | $10195.50 | xxxxxx | 8.565% | $2343.95 | $2343.95 | 8.250% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5047.66 | 1 | xxxxxx | $3637.56 | xxxxxx | $303.13 |  |  |  |  |  | 46.867% | 46.867% | 46.867% | 04/14/2025 | 663 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8370.00 | xxxxxx | 6.880% | $0.00 | 1 |  |  |  | Yes | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $149189.04 | 38.000% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.28 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837370 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7920.00 | $4383.19 |  | 7.863% | $2378.49 | $2378.49 | 7.750% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3588.19 | 1 | xxxxxx | $825.48 | xxxxxx | $68.79 | xxxxxx | xxxxxx | $300.00 |  | Monthly | 47.847% | 47.847% | 47.847% | 04/29/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7920.00 |  | 6.740% | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $545.00 | 0.000% | No | 25 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837378 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $5939.20 | $7225.56 | xxxxxx | 7.461% | $5663.54 | $5663.54 | 7.375% | No | No | Self-Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $11953.69 | 1 | xxxxxx | $1847.76 | xxxxxx | $153.98 | xxxxxx | xxxxxx | $157.00 |  | Monthly | 41.253% | 41.253% | 41.253% | 05/02/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 59.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5939.20 | xxxxxx | 6.880% | $0.00 | 1.5 |  |  |  | Yes | No | 7.375% | 0 | 2 | 0 | 0 | 2 | 0 |  | 24 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $52643.07 | 5.000% | No |  | 20 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 4.19 |  | Yes | No | xxxxxx | $0.00 | $8310.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837400 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $9144.00 | $11604.78 | xxxxxx | 7.892% | $2831.17 | $2831.17 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9932.53 | 1 | xxxxxx | $2844.72 | xxxxxx | $237.06 | xxxxxx | xxxxxx | $265.00 |  | Monthly | 42.390% | 42.390% | 42.390% | 04/07/2025 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9144.00 | xxxxxx | 6.880% | $0.00 | 2.6 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 15.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $115248.38 | 23.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.89 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837404 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $5868.75 | $2824.21 | xxxxxx | 11.097% | $1423.76 | $1423.76 | 10.875% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7689.78 | 1 | xxxxxx | $3585.84 | xxxxxx | $298.82 | xxxxxx | xxxxxx | $253.00 |  | Monthly | 44.657% | 44.657% | 44.657% | 04/18/2025 | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024 | [Borrower - xxxxxx \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5868.75 | xxxxxx | 6.880% | $0.00 | 1.6 |  |  |  | Yes | No | 10.875% | 1 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 2.375% | xxxxxx | xxxxxx | $2234.76 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 17.96 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837447 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1855.63 | $1855.63 | 8.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $958.80 | xxxxxx | $79.90 | xxxxxx |  | $425.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 04/03/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.34 |  |  |  |  |  |  |  | xxxxxx | $320175.66 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 88.89 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 837466 | xxxxxx | N/A |  |  | xxxxxx | No | No | $28057.00 | $13618.86 | xxxxxx | 7.967% | $2665.55 | $2665.55 | 7.625% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $27146.02 | 1 | xxxxxx | $2130.00 | xxxxxx | $177.50 |  |  |  |  |  | 19.835% | 19.835% | 19.835% | 03/17/2025 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2018<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2018<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2018<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2018<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2018<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2018<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2018<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2018 | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2018<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2018<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2018<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2018<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2018<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2018<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2018<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2018 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $28057.00 | xxxxxx | 6.740% | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 16.94 |  | No | No | xxxxxx | $16931.25 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837484 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $5959.00 | $6992.52 | xxxxxx | 9.427% | $1165.62 | $1165.62 | 8.875% | No | No | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8459.96 | 3 | xxxxxx | $6881.52 | xxxxxx | $573.46 |  |  |  |  |  | 49.836% | 49.836% | 49.836% | 04/12/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Borrower - xxxxxx \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5959.00 | xxxxxx | 6.700% | $0.00 |  |  |  |  | No | No | 8.875% | 0 |  | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Title Search | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.625% | xxxxxx | xxxxxx | $2458.12 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 17.54 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837486 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $1910.32 | $3456.02 | xxxxxx | 7.949% | $2726.27 | $2726.27 | 7.875% | No | No | Employed | Employed | Employed |  | 8.17 |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  | $17688.61 | 1 | xxxxxx | $4468.44 | xxxxxx | $372.37 |  |  |  |  |  | 28.226% | 28.226% | 28.226% | 03/31/2025 | 780 | 779 | 780 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1910.32 | xxxxxx | 6.740% | $10500.00 | 2.6 |  |  |  | Yes | No | 7.875% | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $140206.90 | 30.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 11.38 |  | No | No | xxxxxx | $0.00 | $17799.60 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837523 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $22559.00 | $10930.36 | xxxxxx | 8.627% | $5397.77 | $5397.77 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11265.60 | 1 | xxxxxx | $4257.96 | xxxxxx | $354.83 | xxxxxx |  | $120.00 |  | Annually | 45.923% | 45.923% | 45.923% | 04/21/2025 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $22559.00 | xxxxxx | 6.740% | $6500.00 | 1 |  |  |  | N/A | No | 8.500% | 0 |  | 1 | 0 | 2 | 1 |  |  | 3.97 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $102495.66 | 13.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.2 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837589 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $11535.00 | $14449.94 | xxxxxx | 8.365% | $4870.78 | $4870.78 | 8.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11470.44 | 1 | xxxxxx | $5112.84 | xxxxxx | $426.07 |  |  |  |  |  | 39.159% | 39.159% | 39.159% | 05/01/2025 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11535.00 | xxxxxx | 6.740% | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $161407.04 | 20.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.51 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837653 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1350.00 | $9326.22 | xxxxxx | 8.055% | $8438.29 | $8438.29 | 8.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $15342.98 | 1 | xxxxxx | $3786.00 | xxxxxx | $315.50 |  |  |  |  |  | 44.409% | 44.409% | 44.409% | 04/16/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1350.00 | xxxxxx | 6.740% | $0.00 | 1 |  |  |  | Yes | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 15.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $54778.78 | 4.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.67 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837659 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $10883.00 | $17476.80 | xxxxxx | 8.056% | $6078.98 | $6078.98 | 7.875% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $11643.17 | 1 | xxxxxx | $3272.04 | xxxxxx | $272.67 |  |  |  |  |  | 45.408% | 45.408% | 45.408% | 05/08/2025 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2021<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Other - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10883.00 | xxxxxx | 6.740% | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 2 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $173398.00 | 17.000% | No | 28 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 6.04 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837663 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $5444.00 | $10755.90 | xxxxxx | 8.038% | $4495.43 | $4495.43 | 7.875% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $10201.44 | 1 | xxxxxx | $1214.04 | xxxxxx | $101.17 |  |  |  |  |  | 37.968% | 37.968% | 37.968% | 05/02/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5444.00 | xxxxxx | 6.740% | $0.00 | 1 |  |  |  | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $50782.33 | 7.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 6.59 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837665 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $27577.23 | $37499.21 | xxxxxx | 9.388% | $10346.97 | $10346.97 | 9.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $66540.40 | 1 | xxxxxx | $7618.92 | xxxxxx | $634.91 |  |  |  |  |  | 27.432% | 27.432% | 27.432% | 05/02/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2020<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $27577.23 | xxxxxx | 6.740% | $29000.00 |  |  |  |  | Yes | No | 9.125% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $175050.27 | 12.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.87 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837692 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $3416.00 | $4856.07 | xxxxxx | 8.150% | $2095.63 | $2095.63 | 8.000% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $9731.74 | 1 | xxxxxx | $2441.04 | xxxxxx | $203.42 | xxxxxx | xxxxxx | $600.00 |  | Annually | 46.926% | 46.926% | 46.926% | 04/25/2025 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - Year Not Available | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3416.00 | xxxxxx | 6.740% | $0.00 | 1 |  |  |  | Yes | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 16.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $16916.17 | 5.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 6.37 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837694 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $14842.00 | $22869.75 | xxxxxx | 7.726% | $5851.03 | $5851.03 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $13617.21 | 3 | xxxxxx | $4058.04 | xxxxxx | $338.17 |  |  |  |  |  | 34.989% | 34.989% | 34.989% | 03/18/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 88.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14842.00 | xxxxxx | 6.870% | $15000.00 |  |  |  |  | N/A | No | 7.500% | 2 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $289816.49 | 28.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.77 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837696 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $14415.00 | $8069.46 | xxxxxx | 7.814% | $2632.99 | $2632.99 | 7.625% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4792.57 | 1 | xxxxxx | $2486.04 | xxxxxx | $207.17 | xxxxxx | xxxxxx | $1560.00 |  | Annually | 45.539% | 45.539% | 45.539% | 04/22/2025 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14415.00 | xxxxxx | 6.740% | $0.00 | 1 |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $124646.43 | 27.000% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.76 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837720 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $5294.99 | $6178.32 | xxxxxx | 7.800% | $2264.93 | $2264.93 | 7.625% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6719.70 | 1 | xxxxxx | $654.36 | xxxxxx | $54.53 | xxxxxx | xxxxxx | $250.00 |  | Monthly | 36.607% | 36.607% | 36.607% | 03/17/2025 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2001 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5294.99 | xxxxxx | 6.740% | $500.00 | 1.1 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $112387.03 | 28.000% | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.71 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837725 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $11775.00 | $14577.82 | xxxxxx | 6.973% | $6687.54 | $6687.54 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $77610.44 | 1 | xxxxxx | $4428.24 | xxxxxx | $369.02 | xxxxxx | xxxxxx | $100.00 |  | Annually | 12.704% | 12.704% | 12.704% | 02/10/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $11775.00 | xxxxxx | 6.730% | $0.00 | 2.4 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $273276.27 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 48.42 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837726 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3655.81 | $3655.81 | 6.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1336.92 | xxxxxx | $111.41 | xxxxxx | xxxxxx | $899.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 03/11/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.86 | 1.15 |  |  |  |  |  |  |  | xxxxxx | $421016.08 | 53.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 20.84 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 837727 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4018.15 | $4018.15 | 7.625% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  | 1 | xxxxxx | $1359.96 | xxxxxx | $113.33 | xxxxxx | xxxxxx | $897.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.82 | 1.2 |  |  |  |  |  |  |  | xxxxxx | $81100.00 | 10.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.14 |  |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | No | No | Property Focused |
| xxxxxx | 837729 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $15240.00 | $19740.67 | xxxxxx | 8.336% | $3961.96 | $3961.96 | 7.999% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8229.11 | 1 | xxxxxx | $810.96 | xxxxxx | $67.58 |  |  |  |  |  | 49.278% | 49.277% | 49.277% | 03/13/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $15240.00 | xxxxxx | 6.660% | $0.00 | 1 |  |  |  | N/A | No | 7.999% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $151884.72 | 25.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.28 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837730 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $9595.00 | $15958.44 | xxxxxx | 6.614% | $6497.66 | $6497.66 | 6.500% | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | xxxxxx | xxxxxx |  |  | $9122.43 | 1 | xxxxxx | $1008.00 | xxxxxx | $84.00 |  |  |  |  |  | 49.265% | 49.265% | 49.265% | 03/12/2025 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025 | [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $9595.00 | xxxxxx | 6.650% | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 2 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $239694.10 | 19.000% | No | 26 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | VISA | VISA |  |  |  | 14.01 |  |  | No | xxxxxx | $0.00 | $2358.47 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837731 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $9273.00 | $749.33 | xxxxxx | 6.740% | $1810.89 | $1810.89 | 6.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4785.22 | 1 | xxxxxx | $696.84 | xxxxxx | $58.07 | xxxxxx | xxxxxx | $1228.00 |  | Annually | 32.324% | 32.324% | 32.324% | 03/10/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $9273.00 | xxxxxx | 6.650% | $13708.70 | 1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 | 24 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $107230.67 | 31.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.06 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837732 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $11790.00 | $14812.50 | xxxxxx | 6.952% | $3891.59 | $3891.59 | 6.750% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $10318.95 | 1 | xxxxxx | $3721.56 | xxxxxx | $310.13 | xxxxxx | xxxxxx | $400.00 |  | Monthly | 50.640% | 50.640% | 50.640% | 02/21/2025 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 77.000% | 50.000% | 50.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Personal - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Personal - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $11790.00 | xxxxxx | 6.650% | $0.00 | 1.9 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  | No |  |  |  | xxxxxx | $23030.81 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 11.37 |  | No | No | xxxxxx | $10815.25 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837735 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3760.09 | $3760.09 | 8.250% | No | No |  |  |  |  | 0 |  |  | Foreign National | Foreign National |  |  |  |  |  |  | 1 | xxxxxx | $1260.96 | xxxxxx | $105.08 | xxxxxx | xxxxxx | $949.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.2 |  |  |  | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.92 | 1.08 |  |  |  |  |  |  |  | xxxxxx | $183041.74 | 26.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.58 |  |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | Yes | No | Property Focused |
| xxxxxx | 837736 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $17065.00 | $21671.05 | xxxxxx | 9.038% | $6085.13 | $6085.13 | 8.750% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $16144.45 | 1 | xxxxxx | $2558.88 | xxxxxx | $213.24 |  |  |  |  |  | 40.222% | 40.222% | 40.222% | 03/12/2025 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $17065.00 | xxxxxx | 6.650% | $15000.00 | 4.7 |  |  |  | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $233787.75 | 26.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 10.16 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837738 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $16490.00 | $7075.04 | xxxxxx | 8.854% | $5628.85 | $5628.85 | 8.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10573.72 | 1 | xxxxxx | $2121.96 | xxxxxx | $176.83 |  |  |  |  |  | 40.542% | 40.542% | 40.542% | 03/28/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $16490.00 | xxxxxx | 6.620% | $15000.00 | 1.2 |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $59607.55 | 7.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.71 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837740 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $2359.38 | $5132.89 | xxxxxx | 8.520% | $11437.59 | $11437.59 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $92753.15 | 1 | xxxxxx | $2855.04 | xxxxxx | $237.92 |  |  |  |  |  | 18.044% | 18.044% | 18.044% | 03/26/2025 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022 | [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $2359.38 | xxxxxx | 6.700% | $0.00 | 1 |  |  |  | N/A | No | 8.500% | 0 |  | 2 | 0 | 0 | 0 |  |  | 15.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $279439.07 | 16.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.38 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837742 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7507.50 | $9769.53 | xxxxxx | 8.368% | $1558.90 | $1558.90 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5930.15 | 1 | xxxxxx | $1676.04 | xxxxxx | $139.67 |  |  |  |  |  | 26.300% | 26.300% | 26.300% | 03/11/2025 | 631 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025 | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $7507.50 | xxxxxx | 6.620% | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837743 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1854.37 | $1854.37 | 7.875% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1582.92 | xxxxxx | $131.91 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/02/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.5 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.85 | 1.16 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Member | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 7.57 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 837744 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2203.01 | $2203.01 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2730.96 | xxxxxx | $227.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/22/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.82 | 1.21 |  |  |  |  |  |  |  | xxxxxx | $1002185.91 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 345.48 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 837745 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $811.47 | $811.47 | 7.999% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2068.80 | xxxxxx | $172.40 | xxxxxx | xxxxxx | $780.00 |  | Annually | 0.000% | 0.000% | 0.000% | 04/11/2025 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.88 | 1.12 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 50.29 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 837747 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $24090.00 | $34835.01 | xxxxxx | 7.608% | $11036.41 | $12132.98 | 7.834% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $188302.71 | 1 | xxxxxx | $16043.88 | xxxxxx | $1336.99 | xxxxxx | xxxxxx | $4102.00 |  | Annually | 20.242% | 20.659% | 20.242% | 04/02/2025 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 60 | Business | 100.000% | 70.000% | 55.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 55.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 55.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 55.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 55.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $24090.00 | xxxxxx | 6.830% | $0.00 | 1 |  |  |  | N/A | No | 7.834% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $806691.92 | 38.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 14.95 |  | No | No | xxxxxx | $74974.78 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837748 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6111.68 | $6111.68 | 7.999% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2874.96 | xxxxxx | $239.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/15/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.32 |  |  |  |  |  |  |  | xxxxxx | $875044.92 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 127.28 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 837751 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $11941.88 | $15973.76 | xxxxxx | 6.891% | $5788.74 | $5788.74 | 6.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $31782.25 | 1 | xxxxxx | $1602.96 | xxxxxx | $133.58 | xxxxxx | xxxxxx | $1440.00 |  | Annually | 34.113% | 34.113% | 34.113% | 04/08/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2018 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $11941.88 | xxxxxx | 6.620% | $0.00 | 2.3 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 14.55 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837757 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $3690.00 | $4589.50 |  | 11.790% | $1010.11 | $1010.11 | 11.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6453.29 | 1 | xxxxxx | $1140.96 | xxxxxx | $95.08 |  |  |  |  |  | 48.871% | 48.871% | 48.871% | 04/22/2025 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3690.00 |  | 6.740% | $0.00 | 1 |  |  |  | Yes | No | 11.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $1324.25 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 2.990% | xxxxxx | xxxxxx | $2147.44 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 14.01 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837768 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $3610.00 | $6716.47 | xxxxxx | 8.285% | $9435.91 | $9435.91 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $36219.21 | 1 | xxxxxx | $6346.68 | xxxxxx | $528.89 |  |  |  |  |  | 29.734% | 29.734% | 29.734% | 04/25/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 1989<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $3610.00 | xxxxxx | 6.800% | $0.00 | 5 |  |  |  | No | No | 8.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $34754.52 | 2.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.13 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837784 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $9455.00 | $11005.67 | xxxxxx | 8.040% | $2636.40 | $2636.40 | 7.750% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5064.87 | 1 | xxxxxx | $1511.04 | xxxxxx | $125.92 |  |  |  |  |  | 38.233% | 38.233% | 38.233% | 04/15/2025 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9455.00 | xxxxxx | 6.740% | $0.00 | 1.6 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $147244.21 | 32.000% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.75 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837792 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3109.36 | $3109.36 | 7.250% | No | No |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $1835.88 | xxxxxx | $152.99 | xxxxxx |  | $165.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.7 |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.86 | 1.16 |  |  |  |  |  |  |  | xxxxxx | $361225.00 | 48.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.22 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 837800 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3591.34 | $3591.34 | 8.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1682.76 | xxxxxx | $140.23 | xxxxxx |  | $895.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/06/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.2 |  |  |  | No | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.6 | 1.66 |  |  |  |  |  |  |  | xxxxxx | $282697.60 | 42.000% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.47 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 837823 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $8537.00 | $12565.24 | xxxxxx | 7.931% | $5042.11 | $5042.11 | 7.750% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $10536.88 | 1 | xxxxxx | $798.00 | xxxxxx | $66.50 | xxxxxx |  | $500.00 |  | Monthly | 39.374% | 39.374% | 39.374% | 05/06/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% | 100.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8537.00 | xxxxxx | 6.740% | $25000.00 | 1 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $156785.23 | 19.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 6.71 |  |  | No | xxxxxx | $14551.36 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837857 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1948.84 | $1948.84 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1153.56 | xxxxxx | $96.13 | xxxxxx |  | $900.00 |  | Annually | 0.000% | 0.000% | 0.000% | 04/18/2025 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | xxxxxx | $186701.13 | 51.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 35.54 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 837864 | xxxxxx | N/A |  |  | xxxxxx | No | No | $25100.00 | $8161.76 | xxxxxx | 8.070% | $2726.26 | $2726.26 | 7.875% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $188003.68 | 1 | xxxxxx | $4547.04 | xxxxxx | $378.92 | xxxxxx | xxxxxx | $750.00 |  | Annually | 4.698% | 4.698% | 4.698% | 05/05/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 36 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2017<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2010<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2017<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2010<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $25100.00 | xxxxxx | 6.880% | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $57065.45 | 12.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 40.23 |  | No | No | xxxxxx | $197271.32 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837874 | xxxxxx | N/A |  |  | xxxxxx | No | No | $12950.00 | $8017.96 | xxxxxx | 7.443% | $2537.70 | $2537.70 | 7.250% | No | No | Not Employed | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $48784.73 | 1 | xxxxxx | $1364.64 | xxxxxx | $113.72 |  |  |  |  |  | 20.352% | 20.352% | 20.352% | 04/30/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12950.00 | xxxxxx | 6.800% | $3500.00 | 1.7 |  |  |  | Yes | No | 7.250% | 0 | 2 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $227738.18 | 49.000% | No |  | 28 |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 63.55 |  | No | No | xxxxxx | $0.00 | $61250.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837888 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $1395.00 | $10712.55 |  | 8.422% | $14859.41 | $14859.41 | 8.375% | No | No | Not Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $78956.46 | 1 | xxxxxx | $1755.12 | xxxxxx | $146.26 |  |  |  |  |  | 22.890% | 22.890% | 22.890% | 05/06/2025 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $1395.00 | xxxxxx | 6.800% | $8500.00 | 1.5 |  |  |  | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $87541.34 | 4.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 15.61 |  | Yes | No | xxxxxx | $102394.32 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837889 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $8910.00 | $10100.00 | xxxxxx | 7.643% | $4866.53 | $4866.53 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10183.31 | 1 | xxxxxx | $3954.24 | xxxxxx | $329.52 |  |  |  |  |  | 40.018% | 40.018% | 40.018% | 04/03/2025 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $8910.00 | xxxxxx | 6.800% | $0.00 | 1.4 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 21.8 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837895 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $7235.00 | $8342.41 | xxxxxx | 7.477% | $2373.97 | $2373.97 | 7.250% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $4899.99 | 1 | xxxxxx | $2602.32 | xxxxxx | $216.86 | xxxxxx | xxxxxx | $556.00 |  | Annually | 45.165% | 45.165% | 45.165% | 05/07/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower - xxxxxx \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7235.00 | xxxxxx | 6.740% | $113350.00 | 2.5 |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $0.00 | 0.000% | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization | Employment Authorization |  |  |  | 5 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837898 | xxxxxx | N/A |  |  | xxxxxx | No | No | $35700.00 | $59335.17 | xxxxxx | 7.867% | $11746.80 | $11746.80 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $101018.75 | 1 | xxxxxx | $1148.04 | xxxxxx | $95.67 |  |  |  |  |  | 42.572% | 42.572% | 42.572% | 04/21/2025 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $35700.00 | xxxxxx | 6.740% | $0.00 | 3.6 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 15.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 63.07 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837901 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2445.00 | $7912.75 | xxxxxx | 7.699% | $6171.96 | $6171.96 | 7.625% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $23295.91 | 1 | xxxxxx | $2574.96 | xxxxxx | $214.58 |  |  |  |  |  | 39.466% | 39.466% | 39.466% | 04/29/2025 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2023<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2445.00 | xxxxxx | 6.800% | $0.00 | 1.8 |  |  |  | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 16.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $480066.58 | 44.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 30.3 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837908 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7645.00 | $8944.54 | xxxxxx | 7.968% | $1840.26 | $1840.26 | 7.625% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $4738.03 | 1 | xxxxxx | $894.96 | xxxxxx | $74.58 | xxxxxx | xxxxxx | $725.00 |  | Annually | 39.256% | 39.256% | 39.256% | 04/23/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7645.00 | xxxxxx | 6.800% | $6000.00 | 1 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $18884.56 | 6.000% | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization | Employment Authorization |  |  |  | 5.74 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837938 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2145.00 | $2856.51 |  | 7.864% | $1805.36 | $1805.36 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3196.02 | 1 | xxxxxx | $1421.04 | xxxxxx | $118.42 |  |  |  |  |  | 41.737% | 41.737% | 41.737% | 04/30/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2145.00 |  | 6.740% | $0.00 | 1.7 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $90082.97 | 29.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.2 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837982 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2045.00 | $5955.50 |  | 7.929% | $4060.39 | $4060.39 | 7.875% | No | No | Non-Employment Income | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $5558.96 | 1 | xxxxxx | $4229.04 | xxxxxx | $352.42 |  |  |  |  |  | 49.802% | 49.802% | 49.802% | 05/09/2025 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Disability]; Award Letter / Continuance Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Disability]; Other - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2045.00 |  | 6.800% | $0.00 | 2.5 |  |  |  | No | No | 7.875% | 0 | 0 | 1 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  | Other | Not Stated |  |  |  | xxxxxx | $203106.39 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 54.97 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838060 | xxxxxx | N/A |  |  | xxxxxx | No | No | $7790.00 | $10467.85 | xxxxxx | 8.029% | $4350.42 | $4350.42 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $67730.06 | 1 | xxxxxx | $1667.04 | xxxxxx | $138.92 |  |  |  |  |  | 21.032% | 21.032% | 21.032% | 05/02/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7790.00 | xxxxxx | 6.800% | $5900.00 | 1 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $40000.00 | 5.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.28 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838063 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1358.96 | $1358.96 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $1880.04 | xxxxxx | $156.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/09/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | xxxxxx | $170333.16 | 68.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 53 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 838066 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $2435.00 | $7480.21 | xxxxxx | 7.773% | $10621.53 | $10621.53 | 7.750% | No | No | Non-Employment Income | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $25117.36 | 1 | xxxxxx | $3249.96 | xxxxxx | $270.83 |  |  |  |  |  | 45.151% | 45.151% | 45.151% | 05/08/2025 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2435.00 | xxxxxx | 6.800% | $0.00 | 3.7 |  |  |  | No | No | 7.750% | 0 | 1 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | xxxxxx | $1506849.30 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 139.9 |  | No | No | xxxxxx | $0.00 | $30000.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838079 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $4296.90 | $6064.54 | xxxxxx | 8.328% | $4563.94 | $4563.94 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10124.19 | 1 | xxxxxx | $1653.96 | xxxxxx | $137.83 |  |  |  |  |  | 48.359% | 48.359% | 48.359% | 05/05/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - Year Not Available<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $4296.90 | xxxxxx | 6.800% | $39000.00 |  |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $49697.27 | 7.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.12 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838086 | xxxxxx | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $21170.00 | $22889.58 | xxxxxx | 7.915% | $10001.11 | $10001.11 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $55064.91 | 1 | xxxxxx | $5568.48 | xxxxxx | $464.04 |  |  |  |  |  | 20.669% | 20.669% | 20.669% | 04/28/2025 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $21170.00 | xxxxxx | 6.800% | $1500.00 | 3.5 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $75000.00 | 4.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 58.62 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838099 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $7182.00 | $8907.00 | xxxxxx | 8.184% | $1879.38 | $1879.38 | 7.875% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $4226.79 | 1 | xxxxxx | $1602.96 | xxxxxx | $133.58 |  |  |  |  |  | 39.617% | 39.617% | 39.617% | 05/06/2025 | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7182.00 | xxxxxx | 6.800% | $0.00 | 1.3 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $14371.97 | 4.000% | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.72 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838102 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1950.81 | $1950.81 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $987.96 | xxxxxx | $82.33 | xxxxxx |  | $74.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/12/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.79 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 119.65 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 838122 | xxxxxx | N/A |  |  | xxxxxx | No | No | $34335.00 | $10573.31 | xxxxxx | 7.545% | $3757.27 | $3757.27 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $80016.83 | 1 | xxxxxx | $2329.20 | xxxxxx | $194.10 |  |  |  |  |  | 11.803% | 11.803% | 11.803% | 03/12/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $34335.00 | xxxxxx | 6.800% | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $115046.62 | 17.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.53 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838125 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $11293.73 | $12860.46 |  | 8.169% | $6035.21 | $6035.21 | 8.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $20536.08 | 1 | xxxxxx | $2625.96 | xxxxxx | $218.83 |  |  |  |  |  | 35.432% | 35.432% | 35.432% | 05/13/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | Alternative Documentation (A) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11293.73 |  | 6.740% | $0.00 | 1.2 |  |  |  | No | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 24.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 10.68 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838128 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $11537.50 | $15955.63 | xxxxxx | 7.671% | $5139.23 | $5139.23 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $115332.79 | 1 | xxxxxx | $3006.96 | xxxxxx | $250.58 | xxxxxx | xxxxxx | $50.00 |  | Monthly | 13.252% | 13.252% | 13.252% | 05/08/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2005<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2005 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11537.50 | xxxxxx | 6.800% | $0.00 | 2.9 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 16.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 113.9 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838129 | xxxxxx | N/A |  |  | xxxxxx | No | No | $3359.00 | $6385.09 | xxxxxx | 8.052% | $2813.27 | $2813.27 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $241810.40 | 1 | xxxxxx | $1615.80 | xxxxxx | $134.65 | xxxxxx | xxxxxx | $726.00 |  | Monthly | 9.821% | 9.821% | 9.821% | 03/10/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2012 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3359.00 | xxxxxx | 6.870% | $1325.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $14550.00 | 3.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 121.36 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838132 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $23437.50 | $10670.29 | xxxxxx | 8.195% | $6905.22 | $6905.22 | 8.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $15050.39 | 1 | xxxxxx | $0.00 | xxxxxx | $0.00 | xxxxxx |  | $680.00 |  | Monthly | 38.152% | 38.152% | 38.152% | 04/08/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2015 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $23437.50 | xxxxxx | 6.800% | $1000.00 | 3.2 |  |  |  | Yes | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 16.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $82265.53 | 7.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.02 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838135 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $20546.25 | $24863.97 | xxxxxx | 7.853% | $7184.11 | $7184.11 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $20006.79 | 1 | xxxxxx | $3218.04 | xxxxxx | $268.17 |  |  |  |  |  | 33.515% | 33.515% | 33.515% | 04/15/2025 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $20546.25 | xxxxxx | 6.740% | $0.00 | 4.6 |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 15.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $44293.05 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.09 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838138 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3522.07 | $3522.07 | 8.000% | No | No |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $993.96 | xxxxxx | $82.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | Yes | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.87 | 1.15 |  |  |  |  |  |  |  | xxxxxx | $374917.90 | 47.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.93 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 838160 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $7705.00 | $10681.79 | xxxxxx | 8.678% | $4167.51 | $4167.51 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4963.71 | 1 | xxxxxx | $3651.96 | xxxxxx | $304.33 |  |  |  |  |  | 49.942% | 49.942% | 49.942% | 05/12/2025 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7705.00 | xxxxxx | 6.920% | $0.00 | 1 |  |  |  | Yes | No | 8.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $595.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.15 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838166 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $6853.61 | $9306.31 | xxxxxx | 8.734% | $3011.33 | $3011.33 | 8.500% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | Permanent Resident Alien |  |  |  |  |  |  | $15771.69 | 1 | xxxxxx | $1248.00 | xxxxxx | $104.00 |  |  |  |  |  | 19.951% | 19.951% | 19.951% |  | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6853.61 | xxxxxx | 6.800% | $0.00 | 1.9 |  |  |  | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $52313.74 | 12.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 17.67 |  |  | No | xxxxxx | $9851.29 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838190 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2690.00 | $3547.19 | xxxxxx | 8.394% | $543.80 | $543.80 | 7.875% | No | No | Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $14414.98 | 1 | xxxxxx | $3833.16 | xxxxxx | $319.43 |  |  |  |  |  | 38.222% | 38.222% | 38.222% | 04/15/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2690.00 | xxxxxx | 6.870% | $0.00 |  |  |  |  | N/A | No | 7.875% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $70027.47 |  | No | 28 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 2.500% | xxxxxx | xxxxxx | $1410.58 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 52.75 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838205 | xxxxxx | N/A |  |  | xxxxxx | No | No | $32213.00 | $13466.07 | xxxxxx | 7.953% | $5072.20 | $5072.20 | 7.750% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10135.65 | 2 | xxxxxx | $2697.24 | xxxxxx | $224.77 |  |  |  |  |  | 30.099% | 30.099% | 30.099% | 05/16/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $32213.00 | xxxxxx | 6.870% | $12500.00 |  |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $183464.46 | 21.000% | No | 28 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.26 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838280 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2627.50 | $3253.33 | xxxxxx | 7.063% | $1898.52 | $1898.52 | 6.875% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8229.44 | 1 | xxxxxx | $6433.32 | xxxxxx | $536.11 | xxxxxx | xxxxxx | $302.00 |  | Monthly | 48.755% | 48.755% | 48.755% | 03/04/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; Transcripts (1040) - No Results Returned - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2627.50 | xxxxxx | 6.620% | $0.00 | 1.3 | DU |  | ApproveEligible | Yes | No | 6.875% | 3 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $230738.58 | 68.000% | No | 18 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 42.12 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838281 | xxxxxx | N/A |  |  | xxxxxx | No | No | $26745.00 | $12328.35 | xxxxxx | 7.909% | $4262.65 | $4262.65 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $15707.26 | 1 | xxxxxx | $1889.04 | xxxxxx | $157.42 | xxxxxx | xxxxxx | $116.00 |  | Monthly | 40.428% | 40.428% | 40.428% | 05/14/2025 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $26745.00 | xxxxxx | 6.800% | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 16.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 70.1 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838284 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $5696.88 | $7222.82 | xxxxxx | 8.105% | $2157.08 | $2157.08 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9143.56 | 2 | xxxxxx | $2344.32 | xxxxxx | $195.36 |  |  |  |  |  | 24.819% | 24.819% | 24.819% | 04/16/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5696.88 | xxxxxx | 6.810% | $10000.00 |  |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 15.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $161812.42 | 38.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.5 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838336 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1575.83 | $1575.83 | 7.250% | No | No |  |  |  |  | 0 |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | 1 | xxxxxx | $762.96 | xxxxxx | $63.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/10/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 4.75 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 838346 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $1945.00 | $3776.39 |  | 8.473% | $2105.78 | $2105.78 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $17830.92 | 1 | xxxxxx | $1671.00 | xxxxxx | $139.25 |  |  |  |  |  | 27.054% | 27.054% | 27.054% | 05/19/2025 | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2017<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2018 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1945.00 |  | 6.870% | $6578.10 | 1 |  |  |  | Yes | No | 8.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $181210.80 | 49.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 38.11 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838373 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $11623.30 | $9984.46 | xxxxxx | 8.564% | $3391.18 | $3391.18 | 8.375% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $5974.65 | 1 | xxxxxx | $2196.96 | xxxxxx | $183.08 |  |  |  |  |  | 40.406% | 40.406% | 40.406% | 05/13/2025 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $11623.30 | xxxxxx | 6.870% | $15000.00 |  |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $145559.71 | 28.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization | Employment Authorization |  |  |  | 15.08 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838386 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2291.46 | $2291.46 | 8.875% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1725.00 | xxxxxx | $143.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/30/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.67 | 1.49 |  |  |  |  |  |  |  | xxxxxx | $126524.12 | 33.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 7.39 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 838428 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1790.00 | $9407.38 | xxxxxx | 7.264% | $12893.14 | $12893.14 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $46998.83 | 1 | xxxxxx | $4277.04 | xxxxxx | $356.42 |  |  |  |  |  | 26.441% | 26.441% | 26.441% | 04/05/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1790.00 | xxxxxx | 6.920% | $0.00 | 3.5 |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $8000.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 24.11 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838443 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $6745.83 | $10134.71 | xxxxxx | 8.771% | $1822.76 | $1822.76 | 8.375% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $4380.53 | 1 | xxxxxx | $1136.04 | xxxxxx | $94.67 | xxxxxx | xxxxxx | $400.00 |  | Annually | 43.927% | 43.927% | 43.927% | 05/01/2025 | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6745.83 | xxxxxx | 6.870% | $15000.00 | 2.6 |  |  |  | No | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 16.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $52577.58 | 18.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 14.04 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838468 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $5519.76 | $6090.62 | xxxxxx | 8.042% | $1561.78 | $1561.78 | 7.750% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $26447.44 | 1 | xxxxxx | $2119.56 | xxxxxx | $176.63 | xxxxxx | xxxxxx | $570.00 |  | Annually | 7.636% | 7.636% | 7.636% | 03/12/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5519.76 | xxxxxx | 6.930% | $0.00 | 1 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $161372.47 | 47.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization | Employment Authorization |  |  |  | 8.8 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838474 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7200.00 | $10468.03 | xxxxxx | 8.401% | $4297.24 | $4297.24 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $144671.33 | 1 | xxxxxx | $3006.96 | xxxxxx | $250.58 |  |  |  |  |  | 5.614% | 5.614% | 5.614% | 05/15/2025 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $7200.00 | xxxxxx | 6.880% | $15000.00 | 2.6 |  |  |  | Yes | No | 8.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $7150.00 | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838480 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $7645.00 | $8493.39 | xxxxxx | 7.519% | $2182.96 | $2182.96 | 7.250% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $4870.37 | 1 | xxxxxx | $1608.96 | xxxxxx | $134.08 |  |  |  |  |  | 35.062% | 35.062% | 35.062% | 04/22/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7645.00 | xxxxxx | 6.870% | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $6872.70 | 2.000% | No | 28 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization | Employment Authorization |  |  |  | 6.62 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838486 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $18390.00 | $21732.25 | xxxxxx | 8.142% | $6177.59 | $6177.59 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $40291.53 | 1 | xxxxxx | $4059.12 | xxxxxx | $338.26 | xxxxxx |  | $455.00 |  | Annually | 45.948% | 45.948% | 45.948% | 05/20/2025 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $18390.00 | xxxxxx | 6.870% | $0.00 | 1 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 16.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $26464.74 | 2.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.79 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838489 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1790.00 | $2959.46 | xxxxxx | 7.592% | $2202.53 | $2202.53 | 7.500% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6924.89 | 1 | xxxxxx | $1798.56 | xxxxxx | $149.88 | xxxxxx | xxxxxx | $783.00 |  | Monthly | 38.130% | 38.130% | 38.130% | 04/04/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1790.00 | xxxxxx | 6.870% | $17000.00 | 1.8 |  |  |  | N/A | No | 7.500% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $534047.46 | 68.000% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.61 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838505 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2376.00 | $5553.98 | xxxxxx | 7.969% | $4187.28 | $4187.28 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $29237.90 | 1 | xxxxxx | $1842.00 | xxxxxx | $153.50 |  |  |  |  |  | 29.787% | 29.787% | 29.787% | 04/10/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2376.00 | xxxxxx | 6.870% | $0.00 |  |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $102256.90 | 13.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.39 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838521 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $21590.80 | $31481.58 | xxxxxx | 6.664% | $9544.23 | $9544.23 | 6.500% | No | No | Not Employed | Non-Employment Income | Non-Employment Income |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $16479.02 | 1 | xxxxxx | $2418.96 | xxxxxx | $201.58 | xxxxxx | xxxxxx | $100.00 |  | Monthly | 51.385% | 51.385% | 51.385% | 01/14/2025 | 803 | 801 | 826 | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Social Security]; Award Letter / Continuance Letter - Year Not Available<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Social Security]; Award Letter / Continuance Letter - Year Not Available<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - IRA Distribution]; Account Statements - 2025 | [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $21590.80 | xxxxxx | 6.880% | $0.00 | 3.9 | DU |  | ApproveIneligible | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $625011.91 | 33.000% | No |  |  |  |  | Yes | Final | Fee Simple | Trust | Business Entity | Individual | xxxxxx | Individual | xxxxxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 18.11 |  | Yes | No | xxxxxx | $33897.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838533 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $37125.00 | $45743.60 | xxxxxx | 7.708% | $13215.16 | $13215.16 | 7.500% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $26876.28 | 1 | xxxxxx | $3314.52 | xxxxxx | $276.21 |  |  |  |  |  | 38.254% | 38.254% | 38.254% | 05/08/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $37125.00 | xxxxxx | 6.930% | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 56.29 |  |  | No | xxxxxx | $43527.29 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838538 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $44137.00 | $50356.00 | xxxxxx | 7.690% | $18354.38 | $18354.38 | 7.500% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $75098.60 | 1 | xxxxxx | $7724.04 | xxxxxx | $643.67 |  |  |  |  |  | 40.743% | 40.743% | 40.743% | 05/21/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $44137.00 | xxxxxx | 6.870% | $0.00 | 1.6 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $1014892.52 | 27.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 52.5 |  | Yes | No | xxxxxx | $5630.58 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838560 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7311.49 | $10306.66 | xxxxxx | 9.544% | $2829.94 | $2829.94 | 9.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10075.54 | 1 | xxxxxx | $1056.96 | xxxxxx | $88.08 | xxxxxx | xxxxxx | $61.00 |  | Monthly | 29.559% | 29.559% | 29.559% | 05/22/2025 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7311.49 | xxxxxx | 6.870% | $0.00 | 1 |  |  |  | N/A | No | 9.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $103679.97 | 24.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.89 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838583 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1716.33 | $1716.33 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1302.60 | xxxxxx | $108.55 | xxxxxx |  | $450.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/15/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.7 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | xxxxxx | $132961.14 | 37.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.22 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 838606 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2140.15 | $3135.33 | xxxxxx | 7.085% | $952.55 | $952.55 | 6.875% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $2499.19 | 4 | xxxxxx | $2900.52 | xxxxxx | $241.71 |  |  |  |  |  | 35.723% | 35.723% | 35.723% | 03/14/2025 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; 1099-SSA - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc | Chapter 7 |  | xxxxxx | 1 | 55.92 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2140.15 | xxxxxx | 6.650% | $0.00 |  | LP / LPA |  | Accept/Eligible | No | No | 6.875% | 0 |  | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No | 1 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 34.45 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838665 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $30886.50 | $60841.21 | xxxxxx | 7.855% | $27832.62 | $27832.62 | 7.750% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $69187.16 | 1 | xxxxxx | $3168.00 | xxxxxx | $264.00 |  |  |  |  |  | 33.050% | 33.050% | 33.050% | 05/08/2025 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $30886.50 | xxxxxx | 6.870% | $50000.00 |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $2678395.72 | 48.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 85.49 |  |  | No | xxxxxx | $103341.03 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838666 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $2451.00 | $11574.59 | xxxxxx | 7.639% | $14155.17 | $14155.17 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $41701.44 | 1 | xxxxxx | $28463.04 | xxxxxx | $2371.92 |  |  |  |  |  | 37.345% | 37.345% | 37.345% | 05/21/2025 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2451.00 | xxxxxx | 6.870% | $0.00 | 2.5 |  |  |  | N/A | No | 7.625% | 0 |  | 1 | 0 | 2 | 0 |  |  | 16.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $296977.49 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 85.08 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838671 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $4133.75 | $5157.33 | xxxxxx | 8.123% | $2839.67 | $2839.67 | 8.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11163.79 | 1 | xxxxxx | $2058.00 | xxxxxx | $171.50 |  |  |  |  |  | 26.339% | 26.339% | 26.339% | 05/14/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2021<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2021 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4133.75 | xxxxxx | 6.920% | $0.00 | 1 |  |  |  | No | No | 8.000% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $16708.03 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.09 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838677 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4727.50 | $4727.50 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2090.04 | xxxxxx | $174.17 | xxxxxx |  | $536.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 03/12/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.68 | 1.47 |  |  |  |  |  |  | 240 | xxxxxx | $810131.19 | 65.000% | No |  |  |  |  | Yes | Final | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 51.7 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 838690 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $17625.00 | $7802.74 | xxxxxx | 8.495% | $5472.52 | $5472.52 | 8.375% | No | No | Self-Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $15294.80 | 1 | xxxxxx | $1644.00 | xxxxxx | $137.00 |  |  |  |  |  | 39.743% | 39.743% | 39.743% | 04/02/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 71.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $17625.00 | xxxxxx | 6.810% | $20000.00 |  |  |  |  | N/A | No | 8.375% | 0 | 2 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $321347.84 | 40.000% | No |  | 5 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 60.07 |  |  | No | xxxxxx | $0.00 | $7333.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838740 | xxxxxx | N/A |  |  | xxxxxx | No | No | $6009.58 | $7995.28 | xxxxxx | 7.978% | $1461.95 | $1461.95 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $12148.14 | 1 | xxxxxx | $1643.04 | xxxxxx | $136.92 |  |  |  |  |  | 19.555% | 19.555% | 19.555% | 05/05/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; 4506-C (for Business) - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; 4506-C (for Business) - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; 4506-C (for Business) - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6009.58 | xxxxxx | 6.930% | $5400.00 | 1 |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $12588.10 | 5.000% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.7 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838752 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1320.82 | $1320.82 | 7.750% | No | No |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $1299.96 | xxxxxx | $108.33 | xxxxxx |  | $375.00 |  | Annually | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | xxxxxx | $101474.37 | 39.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.93 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 838761 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $27848.05 | $29963.55 | xxxxxx | 8.445% | $12838.17 | $12838.17 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $80462.99 | 1 | xxxxxx | $5442.00 | xxxxxx | $453.50 | xxxxxx | xxxxxx | $415.00 |  | Monthly | 25.528% | 25.528% | 25.528% | 04/14/2025 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $27848.05 | xxxxxx | 6.930% | $0.00 | 1 |  |  |  | Yes | No | 8.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $504723.43 | 24.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.86 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838776 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $20295.00 | $21256.78 | xxxxxx | 8.078% | $4871.60 | $4871.60 | 7.750% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $26116.58 | 1 | xxxxxx | $1346.16 | xxxxxx | $112.18 | xxxxxx | xxxxxx | $975.00 |  | Monthly | 32.442% | 32.442% | 32.442% | 05/14/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 72 | Business | 100.000% | 70.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2012<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2012<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $20295.00 | xxxxxx | 6.930% | $1275.00 |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $160286.17 | 20.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 6.73 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838841 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $11177.00 | $19370.25 |  | 8.672% | $6906.38 | $6906.38 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $44609.47 | 1 | xxxxxx | $5709.00 | xxxxxx | $475.75 |  |  |  |  |  | 17.605% | 17.605% | 17.605% | 05/23/2025 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11177.00 |  | 6.920% | $0.00 | 1.3 |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $364317.63 | 37.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 41.33 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839323 | xxxxxx | N/A |  |  | xxxxxx | No | No | $12071.66 | $16101.11 | xxxxxx | 9.119% | $4875.71 | $4875.71 | 8.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7150.56 | 1 | xxxxxx | $4905.96 | xxxxxx | $408.83 |  |  |  |  |  | 46.249% | 46.249% | 46.249% | 04/14/2025 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12071.66 | xxxxxx | 6.930% | $10000.00 | 1.5 | DU |  | ApproveEligible | Yes | No | 8.875% | 0 |  | 1 | 0 | 2 | 1 |  |  | 3.97 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $74827.39 | 9.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.04 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839336 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $8102.50 | $10886.27 | xxxxxx | 7.713% | $1586.06 | $1586.06 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5683.82 | 1 | xxxxxx | $1050.96 | xxxxxx | $87.58 | xxxxxx |  | $475.00 |  | Monthly | 40.170% | 40.170% | 40.170% | 05/14/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8102.50 | xxxxxx | 6.880% | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $269130.59 | 60.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.01 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839358 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $9420.20 | $14131.98 |  | 8.206% | $4431.66 | $4431.66 | 7.999% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $13067.18 | 1 | xxxxxx | $591.00 | xxxxxx | $49.25 |  |  |  |  |  | 39.407% | 39.407% | 39.407% | 05/27/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9420.20 |  | 6.880% | $10000.00 | 1.7 |  |  |  | N/A | No | 7.999% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $12500.00 | 2.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 12.92 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839368 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $7052.00 | $9779.43 |  | 8.613% | $2790.99 | $2790.99 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9303.21 | 1 | xxxxxx | $536.04 | xxxxxx | $44.67 | xxxxxx | xxxxxx | $136.00 |  | Monthly | 32.707% | 32.707% | 32.707% | 06/05/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7052.00 |  | 6.920% | $0.00 |  |  |  |  | Yes | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 24.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $39640.44 | 9.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.86 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839370 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $13385.00 | $16384.46 | xxxxxx | 7.739% | $4419.04 | $4419.04 | 7.500% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $7458.98 | 1 | xxxxxx | $1746.96 | xxxxxx | $145.58 |  |  |  |  |  | 44.979% | 44.979% | 44.979% | 05/27/2025 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13385.00 | xxxxxx | 6.880% | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 1 | 0 |  |  | 24.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $241722.64 | 31.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | Employment Authorization | Employment Authorization |  |  |  | 6 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839440 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $3364.61 | $20023.03 | xxxxxx | 6.868% | $5164.11 | $5164.11 | 6.625% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $8721.56 | 1 | xxxxxx | $4198.20 | xxxxxx | $349.85 |  |  |  |  |  | 47.978% | 47.978% | 47.978% | 02/26/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2018 | [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2018 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3364.61 | xxxxxx | 6.850% | $0.00 | 3.1 | DU |  | ApproveEligible | No | No | 6.625% | 0 | 1 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $16377.01 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 85.66 |  |  | No | xxxxxx | $16765.08 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839481 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $23945.50 | $28784.72 | xxxxxx | 8.496% | $8085.51 | $8085.51 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $106733.45 | 1 | xxxxxx | $9685.08 | xxxxxx | $807.09 | xxxxxx |  | $1995.00 |  | Annually | 11.815% | 11.815% | 11.815% | 05/13/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 96.150% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 96.15% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 96.15% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 96.15% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 96.15% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2018<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 96.15% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 96.15% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $23945.50 | xxxxxx | 6.930% | $0.00 | 2.1 |  |  |  | Yes | No | 8.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $88305.79 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 74.3 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839496 | xxxxxx | N/A |  |  | xxxxxx | No | No | $56390.00 | $7916.67 | xxxxxx | 8.087% | $7484.40 | $7484.40 | 8.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $51301.10 | 1 | xxxxxx | $2835.48 | xxxxxx | $236.29 |  |  |  |  |  | 42.224% | 42.224% | 42.224% | 04/04/2025 | 673 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024 | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $56390.00 | xxxxxx | 6.810% | $0.00 | 2.6 |  |  |  | Yes | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 16.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 18.08 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839497 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1850.00 | $7627.42 |  | 7.687% | $6449.77 | $6449.77 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $15381.77 | 1 | xxxxxx | $2175.60 | xxxxxx | $181.30 | xxxxxx |  | $150.00 |  | Monthly | 34.617% | 34.617% | 34.617% | 04/11/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1850.00 |  | 6.740% | $0.00 | 2 |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 15.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $436158.10 | 36.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 29.17 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839511 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2995.00 | $4885.35 | xxxxxx | 7.900% | $2446.55 | $2446.55 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9353.36 | 1 | xxxxxx | $1670.04 | xxxxxx | $139.17 | xxxxxx | xxxxxx | $400.00 |  | Annually | 38.378% | 38.378% | 38.378% | 04/13/2025 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | Chapter 7 |  | xxxxxx | 1 | 92.16 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2995.00 | xxxxxx | 6.930% | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 15.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $9927.15 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.25 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839555 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1141.45 | $1141.45 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $7711.08 | xxxxxx | $642.59 | xxxxxx |  | $393.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/03/2025 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.7 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  |  |  |  |  | xxxxxx | $11478.05 | 5.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 12.87 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 839752 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1199.85 | $1199.85 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $2259.00 | xxxxxx | $188.25 | xxxxxx |  | $450.00 |  | Annually | 0.000% | 0.000% | 0.000% | 04/18/2025 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.89 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 68.68 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 839779 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1166.69 | $1166.69 | 9.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2054.28 | xxxxxx | $171.19 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/14/2025 | 655 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 9.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 43.8 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 839822 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $11025.00 | $15474.45 | xxxxxx | 7.751% | $6794.82 | $6794.82 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10742.98 | 1 | xxxxxx | $3084.00 | xxxxxx | $257.00 |  |  |  |  |  | 47.660% | 47.660% | 47.660% | 06/03/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $11025.00 | xxxxxx | 6.920% | $0.00 | 5 |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $46123.65 | 4.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.74 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839931 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $8375.00 | $12263.10 | xxxxxx | 7.742% | $3591.17 | $3591.17 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6874.94 | 1 | xxxxxx | $1713.96 | xxxxxx | $142.83 |  |  |  |  |  | 44.262% | 44.262% | 44.262% | 04/09/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8375.00 | xxxxxx | 6.810% | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 15.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $58341.35 | 9.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.75 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839932 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $14301.25 | $14509.54 | xxxxxx | 7.709% | $5321.02 | $5321.02 | 7.500% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7784.15 | 1 | xxxxxx | $2679.00 | xxxxxx | $223.25 |  |  |  |  |  | 48.106% | 48.106% | 48.106% | 05/01/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14301.25 | xxxxxx | 6.930% | $0.00 | 2.1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $9453.38 |  | No | 27 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.14 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839934 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $48643.75 | $13492.66 | xxxxxx | 7.734% | $11643.21 | $11643.21 | 7.625% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $43469.08 | 1 | xxxxxx | $8978.04 | xxxxxx | $748.17 | xxxxxx | xxxxxx | $175.00 |  | Monthly | 25.782% | 25.782% | 25.782% | 04/24/2025 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Business License - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Business License - Year Not Available | [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Business License - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Business License - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $48643.75 | xxxxxx | 6.740% | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 29.89 |  | No | No | xxxxxx | $58569.25 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839940 | xxxxxx | N/A |  |  | xxxxxx | No | No | $28857.25 | $14910.29 | xxxxxx | 7.814% | $4632.51 | $4632.51 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $48814.09 | 1 | xxxxxx | $1500.00 | xxxxxx | $125.00 |  |  |  |  |  | 38.668% | 38.668% | 38.668% | 03/13/2025 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2023<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $28857.25 | xxxxxx | 6.800% | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 16.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $656765.51 | 70.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 62.95 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839942 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $9788.00 | $14470.81 |  | 7.758% | $3468.10 | $3468.10 | 7.500% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5976.72 | 1 | xxxxxx | $789.00 | xxxxxx | $65.75 | xxxxxx | xxxxxx | $275.00 |  | Monthly | 43.740% | 43.740% | 43.740% | 05/13/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9788.00 |  | 6.800% | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $59020.67 | 10.000% | No | 28 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839944 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $9328.50 | $12237.77 | xxxxxx | 7.466% | $3171.44 | $3171.44 | 7.250% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $7231.35 | 1 | xxxxxx | $1925.04 | xxxxxx | $160.42 | xxxxxx | xxxxxx | $350.00 |  | Annually | 48.348% | 48.348% | 48.348% | 05/13/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9328.50 | xxxxxx | 6.800% | $0.00 | 1.3 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $74708.64 | 12.000% | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 7.54 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839947 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2153.81 | $2153.81 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $873.00 | xxxxxx | $72.75 | xxxxxx |  | $725.00 |  | Annually | 0.000% | 0.000% | 0.000% | 04/29/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.96 |  |  |  |  |  |  |  | xxxxxx | $206870.26 | 47.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.14 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 839948 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $4750.00 | $6384.35 | xxxxxx | 8.658% | $9909.11 | $11602.71 | 9.334% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $35534.73 | 1 | xxxxxx | $8363.28 | xxxxxx | $696.94 | xxxxxx |  | $2700.00 |  | Annually | 38.811% | 38.983% | 38.811% | 03/07/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4750.00 | xxxxxx | 6.830% | $0.00 | 3.7 |  |  |  | Yes | No | 9.334% | 0 |  | 0 | 0 | 0 | 0 |  |  | 16.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $424785.29 | 21.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 22.06 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839949 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $18450.00 | $7196.22 | xxxxxx | 7.844% | $5444.73 | $5444.73 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11370.90 | 1 | xxxxxx | $3614.04 | xxxxxx | $301.17 |  |  |  |  |  | 39.146% | 39.146% | 39.146% | 05/29/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2023<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2018<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $18450.00 | xxxxxx | 6.870% | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 16.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $242850.51 | 26.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.74 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839954 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1719.93 | $1719.93 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1041.96 | xxxxxx | $86.83 | xxxxxx |  | $1000.00 |  | Annually | 0.000% | 0.000% | 0.000% | 05/12/2025 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.77 |  |  |  |  |  |  |  | xxxxxx | $44953.35 | 13.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.76 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 839961 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $9720.24 | $4384.03 | xxxxxx | 8.184% | $3107.44 | $3107.44 | 8.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8656.51 | 1 | xxxxxx | $2130.72 | xxxxxx | $177.56 | xxxxxx | xxxxxx | $420.00 |  | Monthly | 47.352% | 47.352% | 47.352% | 05/04/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower - xxxxxx \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9720.24 | xxxxxx | 6.920% | $0.00 | 1 |  |  |  | No | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 16.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $91337.62 | 17.000% | No | 28 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.82 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839966 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1583.27 | $1583.27 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1392.00 | xxxxxx | $116.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/07/2025 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.3 |  |  |  | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.97 | 1.03 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 109.1 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 839980 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $5351.00 | $7009.76 | xxxxxx | 7.552% | $2248.84 | $2248.84 | 7.375% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4788.83 | 1 | xxxxxx | $520.80 | xxxxxx | $43.40 | xxxxxx | xxxxxx | $140.00 |  | Annually | 38.209% | 38.209% | 38.209% | 05/07/2025 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5351.00 | xxxxxx | 6.920% | $11000.00 | 1.6 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $123038.27 | 30.000% | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.85 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840169 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $9425.00 | $8817.79 | xxxxxx | 7.536% | $2900.84 | $2900.84 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6750.99 | 1 | xxxxxx | $1500.36 | xxxxxx | $125.03 | xxxxxx | xxxxxx | $440.00 |  | Annually | 38.761% | 38.761% | 38.761% | 04/30/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $9425.00 | xxxxxx | 6.930% | $15000.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $187663.42 | 36.000% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.65 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840182 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $18607.55 | $10221.76 | xxxxxx | 8.419% | $3887.80 | $3887.80 | 8.250% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $11231.37 | 1 | xxxxxx | $1065.96 | xxxxxx | $88.83 |  |  |  |  |  | 47.344% | 47.344% | 47.344% | 05/15/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $18607.55 | xxxxxx | 6.880% | $30000.00 | 1 |  |  |  | N/A | No | 8.250% | 0 | 0 | 1 | 0 | 2 | 1 |  |  | 5.13 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $35593.79 | 6.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 6.9 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840251 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7150.87 | $9424.77 | xxxxxx | 8.494% | $1722.00 | $1722.00 | 8.125% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6777.54 | 1 | xxxxxx | $0.00 | xxxxxx | $0.00 | xxxxxx | xxxxxx | $557.00 |  | Monthly | 47.182% | 47.182% | 47.182% | 03/24/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $7150.87 | xxxxxx | 6.810% | $0.00 | 1 |  |  |  | N/A | No | 8.125% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $126584.43 | 44.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.84 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840437 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $8701.00 | $9838.75 | xxxxxx | 8.550% | $1704.77 | $1704.77 | 8.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10606.03 | 1 | xxxxxx | $1415.64 | xxxxxx | $117.97 |  |  |  |  |  | 16.747% | 16.747% | 16.747% | 05/14/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 Transcript - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Full Documentation (F) | 2yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8701.00 | xxxxxx | 6.920% | $6000.00 | 1 |  |  |  | Yes | No | 8.125% | 0 |  | 0 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | xxxxxx | $108892.77 | 38.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.21 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840667 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7350.00 | $4857.00 | xxxxxx | 8.723% | $3480.33 | $3967.47 | 9.304% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $11750.37 | 1 | xxxxxx | $1116.12 | xxxxxx | $93.01 |  |  |  |  |  | 37.220% | 37.937% | 37.220% | 05/24/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available | [Borrower - xxxxxx \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7350.00 | xxxxxx | 6.800% | $500.00 | 3.1 |  |  |  | No | No | 9.304% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $69910.01 | 12.000% | No | 26 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization | Employment Authorization |  |  |  | 19.83 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840681 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2850.00 | $10728.16 | xxxxxx | 7.436% | $8564.37 | $8564.37 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $34123.52 | 1 | xxxxxx | $5202.96 | xxxxxx | $433.58 |  |  |  |  |  | 35.360% | 35.360% | 35.360% | 05/22/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2850.00 | xxxxxx | 6.880% | $3445.00 | 1.7 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 16.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $296551.25 | 19.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.8 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841292 | xxxxxx | N/A |  |  | xxxxxx | No | No | $57714.00 | $20976.83 |  | 8.721% | $10488.28 | $12100.77 | 9.304% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $20283.64 | 1 | xxxxxx | $2021.40 | xxxxxx | $168.45 |  |  |  |  |  | 44.972% | 45.713% | 44.972% | 05/22/2025 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2023<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $57714.00 |  | 6.790% | $0.00 | 1 |  |  |  | Yes | No | 9.304% | 0 |  | 0 | 0 | 0 | 0 |  |  | 16.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $1063516.91 | 58.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 53.14 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841297 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1495.00 | $7169.70 | xxxxxx | 7.396% | $6889.48 | $6889.48 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $23168.10 | 1 | xxxxxx | $4772.76 | xxxxxx | $397.73 | xxxxxx | xxxxxx | $2947.00 |  | Annually | 39.816% | 39.816% | 39.816% | 04/24/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1495.00 | xxxxxx | 6.930% | $5000.00 | 1.4 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 16.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $505912.35 | 36.000% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.1 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |

---

## Exhibit 99.8

**EXHIBIT 99.8**

**AMC TAX AND TITLE REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client LN** | **SitusAMC ID** | **Seller LN** | **Servicer LN** | **Address** | **City** | **ST** | **Zip** | **Trade** | **Title Report Effective Date** | **Title Report Date** | **Tax Certificate Effective Date** | **Subject Lien Recorded** | **Number of Pages Recorded** | **Subject Mortgage Originator** | **Origination Balance** | **Origination Date** | **Recording Date** | **Mortgage Book** | **Mortgage Page** | **Mortgage Doc Number** | **County of Recording** | **State of Recording** | **Critical Defect** | **SMtg Open** | **Address Variation** | **Origination Vesting** | **Current Vesting** | **SMtg First Position Mortgage** | **Prior Lien / Judgment** | **Municipal Lien** | **Association Super Lien** | **Property Tax Lien** | **Property Tax Status** | **SMtg Lien Position (Mortgages)** | **Critical Exception Count** | **Prior Mortgage Exception Count** | **Prior Mortgage Exception Total** | **Prior Mortgage Exception Details** | **Prior Lien Exception Count** | **Prior Lien Exception Total** | **Prior Lien Exception Details** | **Municipal Lien Exception Count** | **Municipal Lien Exception Total** | **Municipal Lien Exception Details** | **Property Tax Lien Exception Count** | **Property Tax Lien Exception Total** | **Property Tax Lien Exception Details** | **Association Lien Exception Count** | **Association Lien Exception Total** | **Association Lien Exception Details** | **IRS Lien Exception Count** | **IRS Lien Exception Total** | **IRS Lien Exception Details** | **Deed Vesting Exception Categories** | **Property Tax Status Issue** | **DQ Property Tax Amount** | **Property Tax Status Details** | **Final Event Level** | **Title Exceptions** | **Title Comments** |
| 834610 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04/23/2025 |  | Yes | 33 | xxxxxx as Nominee for xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |

---

## Exhibit 99.9

**EXHIBIT 99.9**

**CANOPY FINANCIAL TECHNOLOGY PARTNERS, LLC ("CANOPY") NARRATIVE**

**NARRATIVE**

**Verus 2025-7**

**By Canopy Financial Technology Partners LLC on July 24, 2025**

Canopy Financial Technology Partners LLC

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

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

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

**Description of Services**

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

The Review consisted of a population of two-hundred one (201) Loans with an aggregate principal balance of $91,545,217.

The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organizations ("NRSROs"), S&P Global Ratings and Moody's Investors Service, 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 |
| &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 |

---

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**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.

**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.

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**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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Social Security inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Borrower name variations

· Employment:

· Licensing – reviewed NMLS data for:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage lender/originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan officer

· Occupancy:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Borrower address history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Subject property ownership history

· OFAC.

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**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

**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;

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

**"Missing Document" to "B" Grade:** In the event that there was no express statement in the Loan File, and there was no express evidence provided that the loan proceeds were used for "Business Purpose", Canopy gave the file a "D" grade, for missing documentation. In the event that there was not any express statement or evidence of business purpose use of the proceeds, then the "D" grade – "Missing Document" initial finding was re-graded after conducting a full Consumer Purpose, regulatory compliance review, as applicable to assignees for Consumer Purpose loans. In the event that the loan did not violate any applicable regulatory compliance obligations, the loan was re-graded as a "B" grade final finding.

**"Material Compliance Violation":** In the event that no express statement existed in the Loan File, Canopy assessed any and all documentation provided to determine what the actual use of the proceeds were, to best identify that the "primary purpose" of the loan was not in fact for "business purpose" as relied upon by the lender, but is in fact for a "consumer purpose". If, in fact, evidence existed that the proceeds were used for personal, Consumer Purpose, then Canopy identified that the "primary purpose" of the loan is not "business purpose" and as "consumer purpose" subject to the full Consumer Purpose regulatory compliance obligations of an originator as it applies to an assignee, with a material compliance exception of a "C" grade.

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**"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).

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. HOEPA Disclosures (if applicable); and

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

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**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" v.02-16-2023);

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| | |
|:---|:---|
| ii. | **Right of Rescission**. A review of the TILA Right of Rescission, Notice of Right to Cancel, including a verification of the transaction date and expiration date, ensuring proper execution of the Notice of Right to Cancel by all required parties, verifying the disbursement date and determining if a full three (3) day rescission period was adequately provided to the borrower(s). The appropriate Model Form will be tested according to applicable U.S. Court of Appeals, Circuit Court rulings; 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).

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

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

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

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

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

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

**State & Local Anti-Predatory Requirements**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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· 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).

· 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.

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· 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.

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

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

Ability to Repay (ATR)

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

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

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

**Valuation Review**

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

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

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

***Independent third-party values***

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

**Valuation Reconciliation Process:**

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

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

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**Agency Eligible Loans:**

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

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

**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

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

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" 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** 

The overall grade summary reflects the combination of the credit, property valuation and regulatory compliance component reviews as graded to the criteria for Moody's Investors Service, Inc. and S&P Global Ratings. The overall grade assigned is the most severe grade from each of the component reviews.

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Canopy's review concluded the grading of the Credit, Property Valuation, and Compliance sections for Moody's Investor Services, Inc. as follows: 63.18% (127 Loans) have an overall grade of "A"; 25.87% (52 Loans) have an overall grade of "B"; and 10.95% (22 Loans) have no grading.

Canopy's review concluded a Credit grade of "A" for 63.68% (128 Loans) and 25.37% (51 Loans) have a Credit grade of "B". Twenty-two (22) Loans or 10.95% have no Credit grade.

Canopy's review concluded a Compliance grade of "A" for 88.56% (178 Loans) and 0.50% (1 Loan) has a Compliance grade of "B". Twenty-two (22) Loans or 10.95% have no Compliance grade.

Canopy's review concluded a Property Valuation grade of "A" for 88.56% (178 Loans) and 0.50% (1 Loan) has a Property Valuation grade of "B". Twenty-two (22) Loans or 10.95% have no Property Valuation grade.

Canopy's review concluded the grading of the Credit, Property Valuation, and Compliance sections for S&P Global Ratings as follows: 73.63% (148 Loans) have an overall grade of "A" and 26.37% (53 Loans) have an overall grade of "B".

Canopy's review concluded a Credit grade of "A" for 74.13% (149 Loans) and 25.87% (52 Loans) have a Credit grade of "B".

Canopy's review concluded a Compliance grade of "A" for 99.50% (200 Loans) reviewed and 0.50% (1 Loan) has a Compliance grade of "B".

Canopy's review concluded a Property Valuation grade of "A" for 99.50% (200 Loans) and 0.50% (1 Loan) has a Property Valuation grade of "B".

**FINDINGS TABLE**

&nbsp;&nbsp;**REVIEW TABLES - Moody's**

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;127 | &nbsp;&nbsp;63.18% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;52 | &nbsp;&nbsp;25.87% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;NA | &nbsp;&nbsp;22 | &nbsp;&nbsp;10.95% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**201** | &nbsp;&nbsp;**100.00%** |

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;128 | &nbsp;&nbsp;63.68% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;51 | &nbsp;&nbsp;25.37% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;NA | &nbsp;&nbsp;22 | &nbsp;&nbsp;10.95% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**201** | &nbsp;&nbsp;**100.00%** |

---

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;178 | &nbsp;&nbsp;88.56% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.50% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;NA | &nbsp;&nbsp;22 | &nbsp;&nbsp;10.95% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**201** | &nbsp;&nbsp;**100.00%** |

---

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;178 | &nbsp;&nbsp;88.56% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.50% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;NA | &nbsp;&nbsp;22 | &nbsp;&nbsp;10.95% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**201** | &nbsp;&nbsp;**100.00%** |

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**REVIEW TABLES - S&P** 

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;148 | &nbsp;&nbsp;73.63% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;53 | &nbsp;&nbsp;26.37% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**201** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;149 | &nbsp;&nbsp;74.13% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;52 | &nbsp;&nbsp;25.87% |
| &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;**201** | &nbsp;&nbsp;**100.00%** |

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;200 | &nbsp;&nbsp;99.50% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.50% |
| &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;**201** | &nbsp;&nbsp;**100.00%** |

---

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;200 | &nbsp;&nbsp;99.50% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.50% |
| &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;**201** | &nbsp;&nbsp;**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** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;196 | &nbsp;&nbsp;97.51% | &nbsp;&nbsp;$87777067.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;5 | &nbsp;&nbsp;2.49% | &nbsp;&nbsp;$3768150.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**201** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$91545217.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;179 | &nbsp;&nbsp;89.05% | &nbsp;&nbsp;$85683466.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;22 | &nbsp;&nbsp;10.95% | &nbsp;&nbsp;$5861751.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**201** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$91545217.00** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans <br> other than loans secured by real estate | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.49% | &nbsp;&nbsp;$1420200.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.50% | &nbsp;&nbsp;$72000.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;86 | &nbsp;&nbsp;42.79% | &nbsp;&nbsp;$32005126.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;27 | &nbsp;&nbsp;13.43% | &nbsp;&nbsp;$9880150.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;72 | &nbsp;&nbsp;35.82% | &nbsp;&nbsp;$42114596.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;12 | &nbsp;&nbsp;5.97% | &nbsp;&nbsp;$6053145.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**201** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$91545217.00** |

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;195 | &nbsp;&nbsp;97.01% | &nbsp;&nbsp;$86783974.00 |
| &nbsp;&nbsp;361 - 420 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;6 | &nbsp;&nbsp;2.99% | &nbsp;&nbsp;$4761243.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**201** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$91545217.00** |

---

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;82 | &nbsp;&nbsp;40.80% | &nbsp;&nbsp;$39433016.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;6 | &nbsp;&nbsp;2.99% | &nbsp;&nbsp;$4222050.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;113 | &nbsp;&nbsp;56.22% | &nbsp;&nbsp;$47890151.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**201** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$91545217.00** |

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**DATA COMPARISON RESULTS**

Of the two-hundred one (201) Loan files reviewed, seventy-five (75) unique loans (37.31% by number) had one-hundred three (103) tape comparison discrepancies across twenty-one (21) data fields.

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans <br> with <br> Discrepancy** | &nbsp;&nbsp;**Total <br> Times <br> Compared** | &nbsp;&nbsp;**%<br> Variance** |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;201 | &nbsp;&nbsp;0.50% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;201 | &nbsp;&nbsp;0.50% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;201 | &nbsp;&nbsp;1.49% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;201 | &nbsp;&nbsp;1.49% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;14 | &nbsp;&nbsp;201 | &nbsp;&nbsp;6.97% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;201 | &nbsp;&nbsp;1.00% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;201 | &nbsp;&nbsp;1.99% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;201 | &nbsp;&nbsp;0.50% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;16 | &nbsp;&nbsp;201 | &nbsp;&nbsp;7.96% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;201 | &nbsp;&nbsp;0.50% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;201 | &nbsp;&nbsp;0.50% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;8 | &nbsp;&nbsp;201 | &nbsp;&nbsp;3.98% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;8 | &nbsp;&nbsp;201 | &nbsp;&nbsp;3.98% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;7 | &nbsp;&nbsp;201 | &nbsp;&nbsp;3.48% |
| &nbsp;&nbsp;Qualifying Loan Amount | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;201 | &nbsp;&nbsp;1.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;5 | &nbsp;&nbsp;201 | &nbsp;&nbsp;2.49% |
| &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;19 | &nbsp;&nbsp;201 | &nbsp;&nbsp;9.45% |
| &nbsp;&nbsp;Reviewed Total Housing Expense PITIA | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;201 | &nbsp;&nbsp;0.50% |
| &nbsp;&nbsp;Total Monthly Property Insurance Amount | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;201 | &nbsp;&nbsp;1.00% |
| &nbsp;&nbsp;Total Qualifying Income | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No | &nbsp;&nbsp;1 | &nbsp;&nbsp;201 | &nbsp;&nbsp;0.50% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;201 | &nbsp;&nbsp;1.49% |

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**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.* 

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## Exhibit 99.10

**EXHIBIT 99.10**

**CANOPY EXCEPTIONS REPORT**

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 830486 | xxxxxx | D A | Closed | xxxxxx | 2025-05-06 10:53 | 2025-05-09 13:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Lease agreement provided. - Due Diligence Vendor-05/09/2025 <br> Ready for Review-Document Uploaded. lease agreement - Buyer-05/07/2025 <br> Open-Provide the subject property lease agreement as it is required to confirm the correct amount to use for the DSCR factor when the appraisal is marked Tenant Occupied. As per guidelines: Required documentation: - xxxxxx Form 1007 or 1025 reflecting long-term market rents, and lease agreement. - If the lease has converted to month-to-month, then provide most recent two (2) months proof of receipt to evidence continuance of lease. If unable to provide evidence of receipt, the unit will be treated as vacant and subject to the following: LTV/CLTV limits: Lesser of 70%, or the LTV/CLTV based upon the DSCR/FICO/Loan balance matrix.<br> - Due Diligence Vendor-05/06/2025 |  | Resolved-Lease agreement provided. - Due Diligence Vendor-05/09/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 87.14 Are Greater Than The Guideline Minimum Of 2 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 - 8.16 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.93% 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 765 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 830529 | xxxxxx | C A | Closed | xxxxxx | 2025-04-24 14:36 | 2025-05-02 12:42 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Closing Date is missing or inaccurate | Resolved-CD provided along with LOE suffices to show cash to borrower. - Due Diligence Vendor-05/02/2025 <br> Ready for Review-Document Uploaded. Please see LOE - Due Diligence Vendor-05/01/2025 <br> Open-The Final closing CD issued xxxxxx with a closing date of xxxxxx, disbursement date xxxxxx, and the Borrower signature date of xxxxxx. The notary date is xxxxxx. - Due Diligence Vendor-04/24/2025 |  | Resolved-CD provided along with LOE suffices to show cash to borrower. - Due Diligence Vendor-05/02/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 84.59 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review830529_3954386_xxxxxx_5_1_2025_41424_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 830706 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 831432 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 831515 | xxxxxx | D A | Closed | xxxxxx | 2025-05-21 18:13 | 2025-05-27 13:40 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Incomplete or Unexecuted Purchase Contract | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-05/27/2025 <br>Ready for Review-Document Uploaded. Purchase contract - Due Diligence Vendor-05/27/2025 <br>Open-Purchase Contract is Partial copy. Purchase contact is missing from the file. Only addendum was located in the file. - Due Diligence Vendor-05/21/2025 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-05/27/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.53 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | Full Review831515_4210183_Day_5_23_2025_32840_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | NA | NA | xxxxxx |
| 831966 | xxxxxx | C B A | Closed | xxxxxx | 2025-04-03 13:49 | 2025-04-25 13:06 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived- Client Waived with Compensating Factors. Client provided guideline exception and comp factors. - Due Diligence Vendor-04/25/2025 <br> Ready for Review- - Due Diligence Vendor -04/25/2025 <br> Open-Missing required fully completed Automatic Payment Authorization (ACH) Form. File contains form on pg 152 that is signed however is missing financial institution Name, phone #, address, account # and routing #. - Due Diligence Vendor-04/03/2025 | Ready for Review - Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Reserves exceed requirement by 10 months or more / Compensating Factor 3 - DSCR > 1.15 | Waived-Client provided guideline exception and comp factors. - Due Diligence Vendor-04/25/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.37 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 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More | Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines;<br> Compensating Factor 2 - Reserves exceed requirement by 10 months or more;<br> Compensating Factor 3 - DSCR > 1.15; |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 832499 | xxxxxx | C B A | Closed | xxxxxx | 2025-03-06 12:21 | 2025-03-10 08:33 | Waived | 2 - Non-Material C B | Credit | Income | DSCR is less than the guideline minimum | Waived- Client Waived with Compensating Factors. Approved Lender Exception: Exception on borrower not meeting the minimum DSCR requirement of 1.00. The current DSCR is 0.94 - Due Diligence Vendor-03/10/2025 <br> Ready for Review-Document Uploaded. - Seller-03/07/2025 <br> Open-Per 1008 and UWs notes (pgs #1211, income section addresses exception and 1008 pg #5 in comments section) upper management approved a DSCR of .95 when minimum allowed is 1.00. Exception is missing from file for DSCR rest of exceptions are in file - Due Diligence Vendor-03/06/2025 | Ready for Review-Document Uploaded. - Seller-03/07/2025<br>| Waived-Approved Lender Exception: Exception on borrower not meeting the minimum DSCR requirement of 1.00. The current DSCR is 0.94 - Due Diligence Vendor-03/10/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 410.87 Are Greater Than The Guideline Minimum Of 2 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 - 27.75 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 724 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | Representative score of 724 when minimum required score is 660.<br> Last 12 months pay history for subject property shows 0x30/12 – verified with cancelled checks.<br> LTV is at 70% when maximum allowed is 75%.<br> Mortgage against current home opened 2005 has been paid as agreed.<br> Credit profile includes total of 104 tradelines, 95 of which are mortgage accounts. Oldest trade from 1991 – established credit. | Guideline Exception Form PINI.34.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 832499 | xxxxxx | C B A | Closed | xxxxxx | 2025-03-05 10:26 | 2025-03-06 12:31 | Waived | 2 - Non-Material B | Credit | Eligibility | Number of Mortgaged Properties and/or aggregate loan balance with lender exceeds max allowable. | Waived- Client Waived with Compensating Factors. Exception approved to exceed the aggregate loan amount exposure limit of $2,000,000.00 allowed by xxxxxx. - Due Diligence Vendor-03/05/2025 |  | Waived-Exception approved to exceed the aggregate loan amount exposure limit of $2,000,000.00 allowed by xxxxxx. - Due Diligence Vendor-03/05/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 410.87 Are Greater Than The Guideline Minimum Of 2 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 - 27.75 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 724 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | Representative score of 724 when minimum required score is 660.<br> Last 12 months pay history for subject property shows 0x30/12 – verified with cancelled checks.<br> LTV is at 70% when maximum allowed is 75%.<br> Mortgage against current home opened 2005 has been paid as agreed.<br> Credit profile includes total of 104 tradelines, 95 of which are mortgage accounts. Oldest trade from 1991 – established credit. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 832499 | xxxxxx | C B A | Closed | xxxxxx | 2025-03-05 10:34 | 2025-03-06 12:30 | Waived | 2 - Non-Material B | Credit | Eligibility | Credit Event Seasoning is Less than Guideline Minimum | Waived- Client Waived with Compensating Factors. Credit documents reviewed indicate a derogatory credit event (bankruptcy, foreclosure, short sale, deed-in-lieu, or modification) that does not meet minimum seasoning requirements per guidelines. Exception approved for seasoning requirement not met for loan modification. Mortgage Note technically expired xxxxxx; however, there is now a verbal agreement between private lender and borrower - Due Diligence Vendor-03/05/2025 |  | Waived-Credit documents reviewed indicate a derogatory credit event (bankruptcy, foreclosure, short sale, deed-in-lieu, or modification) that does not meet minimum seasoning requirements per guidelines. Exception approved for seasoning requirement not met for loan modification. Mortgage Note technically expired xxxxxx; however, there is now a verbal agreement between private lender and borrower - Due Diligence Vendor-03/05/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 410.87 Are Greater Than The Guideline Minimum Of 2 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 - 27.75 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 724 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | Representative score of 724 when minimum required score is 660.<br> Last 12 months pay history for subject property shows 0x30/12 – verified with cancelled checks.<br> LTV is at 70% when maximum allowed is 75%.<br> Mortgage against current home opened 2005 has been paid as agreed.<br> Credit profile includes total of 104 tradelines, 95 of which are mortgage accounts. Oldest trade from 1991 – established credit. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 832499 | xxxxxx | C B A | Closed | xxxxxx | 2025-03-05 10:28 | 2025-03-06 12:30 | Waived | 2 - Non-Material B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Waived- Client Waived with Compensating Factors. Exception approved to exceed the total of 10 financed properties allowed by xxxxxx. - Due Diligence Vendor-03/05/2025 |  | Waived- Exception approved to exceed the total of 10 financed properties allowed by xxxxxx. - Due Diligence Vendor-03/05/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 410.87 Are Greater Than The Guideline Minimum Of 2 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 - 27.75 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 724 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | Representative score of 724 when minimum required score is 660.<br> Last 12 months pay history for subject property shows 0x30/12 – verified with cancelled checks.<br> LTV is at 70% when maximum allowed is 75%.<br> Mortgage against current home opened 2005 has been paid as agreed.<br> Credit profile includes total of 104 tradelines, 95 of which are mortgage accounts. Oldest trade from 1991 – established credit |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 832499 | xxxxxx | C B A | Closed | xxxxxx | 2025-03-05 10:27 | 2025-03-06 12:30 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived- Client Waived with Compensating Factors. Exception approved to use three investment properties and primary as the basis of mortgage housing histories. Borrower has 200+ investment properties. (APPROVED) - Due Diligence Vendor-03/05/2025 |  | Waived-Exception approved to use three investment properties and primary as the basis of mortgage housing histories. Borrower has 200+ investment properties. (APPROVED) - Due Diligence Vendor-03/05/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 410.87 Are Greater Than The Guideline Minimum Of 2 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 - 27.75 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 724 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | Representative score of 724 when minimum required score is 660.<br> Last 12 months pay history for subject property shows 0x30/12 – verified with cancelled checks.<br> LTV is at 70% when maximum allowed is 75%.<br> Mortgage against current home opened 2005 has been paid as agreed.<br> Credit profile includes total of 104 tradelines, 95 of which are mortgage accounts. Oldest trade from 1991 – established credit. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 832499 | xxxxxx | C B A | Closed | xxxxxx | 2025-03-06 12:03 | 2025-03-06 12:29 | Waived | 2 - Non-Material B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived- Client Waived with Compensating Factors. Delinquent Credit History Does Not Meet Guideline Requirements Exception approved to allow for 1x30x12 on mortgage account with xxxxxx dated xxxxxx; when housing requires 0x30x12.) - Due Diligence Vendor-03/06/2025 |  | Waived-Delinquent Credit History Does Not Meet Guideline Requirements Exception approved to allow for 1x30x12 on mortgage account with xxxxxx dated 08/2024; when housing requires 0x30x12.) - Due Diligence Vendor-03/06/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 410.87 Are Greater Than The Guideline Minimum Of 2 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 - 27.75 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 724 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | Representative score of 724 when minimum required score is 660.<br> Last 12 months pay history for subject property shows 0x30/12 – verified with cancelled checks.<br> LTV is at 70% when maximum allowed is 75%.<br> Mortgage against current home opened 2005 has been paid as agreed.<br> Credit profile includes total of 104 tradelines, 95 of which are mortgage accounts. Oldest trade from 1991 – established credit. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 832626 | xxxxxx | D B C A | Closed | xxxxxx | 2025-05-05 13:05 | 2025-06-12 15:59 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- Client Waived with Compensating Factors. Approved Investor Exception: This is the file that got restructured in closing from a refi to a purchase. It's a xxxxxx unit with a max LTV of 85% but was closed at 85 345 . We are requesting an exception to exceed the max LTV - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. Exception request - Buyer-06/10/2025 <br> Open-Audited LTV of 85.34% exceeds Guideline LTV of 85% . 1008 reflects LTV of 85% however that was based on a loan amount of xxxxxx. Loan closed with a higher loan amount of xxxxxx with LTV of 85.34% and max allowed for a 2-4 unit primary purchase is 85%. - Due Diligence Vendor-05/05/2025 |  | Waived-Approved Investor Exception: This is the file that got restructured in closing from a refi to a purchase. It's a xxxxxx unit with a max LTV of 85% but was closed at 85 345 . We are requesting an exception to exceed the max LTV - Due Diligence Vendor-06/12/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9.67% 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 789 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 - 25.01 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 - 25 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 | 18k+ in residual income<br> 789 score<br> 6 months reserves<br> purchased the home they have been renting for months prior | xxxxxx exception.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 832626 | xxxxxx | D B C A | Closed | xxxxxx | 2025-05-05 12:21 | 2025-06-02 08:28 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided - Due Diligence Vendor-06/02/2025 <br>Ready for Review-Document Uploaded. CDA - Buyer-05/29/2025 <br>Open-, Provide appraisal review as required on every loan as per guidelines. At the time of review only the appraisal was provided and CU report showing analysis not performed. - Due Diligence Vendor-05/05/2025 |  | Resolved-desk review provided - Due Diligence Vendor-06/02/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9.67% 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 789 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 - 25.01 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 - 25 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 |  | xxxxxx CDA.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | NA | NA | xxxxxx |
| 832680 | xxxxxx | B A | Closed | xxxxxx | 2025-06-17 09:26 | 2025-06-17 09:26 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- Client Waived with Compensating Factors. Audited LTV of 85% exceeds Guideline LTV of 80% FTHB and currently lives rent free. Max LTV is 80%. Seeking consideration for 85%. - Due Diligence Vendor-06/17/2025 |  | Waived-Audited LTV of 85% exceeds Guideline LTV of 80% FTHB and currently lives rent free. Max LTV is 80%. Seeking consideration for 85%. - Due Diligence Vendor-06/17/2025<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>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.38% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.45 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | \* DTI <= 36% which is below requirement in guidelines.<br> \* Reserves exceed requirement by 6 months or more. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 832708 | xxxxxx | C A | Closed | xxxxxx | 2025-04-24 16:39 | 2025-05-01 09:35 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of 79.66% is less than or equal to Guideline CLTV of 85% - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. the UCCs were terminated, see title - Seller-04/30/2025 <br> Open-Audited CLTV of 96.89% exceeds Guideline CLTV of 85% Title includes UCC for xxxxxx per gl's must include in CLTV for subordination. xxxxxx balances $xxxxxx + $xxxxxx added to 1st lien balance $xxxxxx + 2nd lien $xxxxxx = $xxxxxx . CLTV $xxxxxx /Appraised Value $xxxxxx = 96.89% - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. the UCCs were terminated, see title - Seller-04/30/2025<br>| Resolved-Audited CLTV of 79.66% is less than or equal to Guideline CLTV of 85% - Due Diligence Vendor-05/01/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.44 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.57% 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 728 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 0.01<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 - 13.83 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 - 25 Years |  | Title-Commitment--1-_fe441388-7cf6-4f4b-90e2-6c336ba1dc3f.pdf<br> image.png | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 832860 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 833075 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 833134 | xxxxxx | D A | Closed | xxxxxx | 2025-04-29 15:50 | 2025-05-01 16:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-All supporting documents sent for xxxxxx are substantiated. - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. The borrower has 2 businesses, xxxxxx. This loan closed in xxxxxx. The state of xxxxxx issues a Certificate of Existence in lieu of the xxxxxx certificate and LLCs do not have operating agreements as there is only one owner. The CPA letter confirmed this information. - Due Diligence Vendor-05/01/2025 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing Operating Agreement/equivalent for xxxxxx - Due Diligence Vendor-04/29/2025 |  | Resolved-All supporting documents sent for xxxxxx are substantiated. - Due Diligence Vendor-05/01/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 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 86.81 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review833134_3984439_xxxxxx_5_1_2025_42245_PM.zip<br> Full Review833134_3997617_xxxxxx_5_1_2025_42223_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 833134 | xxxxxx | D A | Closed | xxxxxx | 2025-04-28 15:51 | 2025-05-01 16:43 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review value (xxxxxx) supports the original appraised value (xxxxxx) within a -10,0% value (-0.00%). - Due Diligence Vendor-05/01/2025 <br> Ready for Review-CDA Attached - Due Diligence Vendor-05/01/2025 <br> Open-3rd Party Valuation Product is Missing. - Due Diligence Vendor-04/28/2025 |  | Resolved-Desk review value (xxxxxx) supports the original appraised value (xxxxxx) within a -10,0% value (-0.00%). - Due Diligence Vendor-05/01/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 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 86.81 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 833223 | xxxxxx | D A C | Closed | xxxxxx | 2025-04-18 03:52 | 2025-04-25 12:09 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/25/2025 <br>Ready for Review-Document Uploaded. - Seller-04/24/2025 <br>Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information.<br>Insurance doc is missing in file, available only Premium invoice type doc - Due Diligence Vendor-04/18/2025 | Ready for Review-Document Uploaded. - Seller-04/24/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/25/2025<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<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 - 16.88 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 - 17 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.48 Are Greater Than The Guideline Minimum Of 0 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 - 21.41 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | HOI.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 833223 | xxxxxx | D A C | Closed | xxxxxx | 2025-04-21 17:51 | 2025-04-25 08:41 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC event detail provided - Due Diligence Vendor-04/25/2025 <br>Ready for Review-Document Uploaded. FINAL CD COC UPLOADED, ADDED GAP REPORT CHARGE. - Seller-04/24/2025 <br>Open-The final CD indicates the Credit Report increased to $288.94. Section J lender credit of $39.52 intended to cure the increase is not sufficient. - Due Diligence Vendor-04/23/2025 <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-04/21/2025 | Ready for Review-Document Uploaded. FINAL CD COC UPLOADED, ADDED GAP REPORT CHARGE. - Seller-04/24/2025<br>| Resolved-COC event detail provided - Due Diligence Vendor-04/25/2025<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<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 - 16.88 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 - 17 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.48 Are Greater Than The Guideline Minimum Of 0 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 - 21.41 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | FINAL CD COC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 833223 | xxxxxx | D A C | Closed | xxxxxx | 2025-04-21 17:51 | 2025-04-25 08:41 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-COC event detail provided - Due Diligence Vendor-04/25/2025 <br>Ready for Review-Document Uploaded. FINAL CD COC ADDING GAP REPORT CHARGE - Seller-04/24/2025 <br>Open-The final CD indicates the Credit Report increased to $288.94. Section J lender credit of $39.52 intended to cure the increase is not sufficient. - Due Diligence Vendor-04/23/2025 <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-04/21/2025 | Ready for Review-Document Uploaded. FINAL CD COC ADDING GAP REPORT CHARGE - Seller-04/24/2025<br>| Resolved-COC event detail provided - Due Diligence Vendor-04/25/2025<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<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 - 16.88 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 - 17 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.48 Are Greater Than The Guideline Minimum Of 0 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 - 21.41 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | FINAL CD COC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 833223 | xxxxxx | D A C | Closed | xxxxxx | 2025-04-21 17:51 | 2025-04-25 08:41 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-COC event detail provided - Due Diligence Vendor-04/25/2025 <br>Ready for Review-Document Uploaded. FINAL CD COC, SHOWS ADDED GAP REPORT FEE - Seller-04/24/2025 <br>Open-The final CD indicates the Credit Report increased to $288.94. Section J lender credit of $39.52 intended to cure the increase is not sufficient. - Due Diligence Vendor-04/23/2025 <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 $49.42.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. FINAL CD COC, SHOWS ADDED GAP REPORT FEE - Seller-04/24/2025<br>| Resolved-COC event detail provided - Due Diligence Vendor-04/25/2025<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<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 - 16.88 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 - 17 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.48 Are Greater Than The Guideline Minimum Of 0 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 - 21.41 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | FINAL CD COC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 833267 | xxxxxx | B A | Closed | xxxxxx | 2025-04-18 18:09 | 2025-04-24 12:16 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/24/2025 <br>Ready for Review-Per guides the UW summary (CLA) or 1008 can be provided- uploaded CLA for your review. - Due Diligence Vendor-04/24/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-04/23/2025 <br>Resolved-CLA provided. - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Document Uploaded. Per guides the UW summary (CLA) or 1008 can be provided- uploaded CLA for your review. - Due Diligence Vendor-04/23/2025 <br>Open-1008/Underwriting Summary Not Provided Final 1008 is missing - Due Diligence Vendor-04/18/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/24/2025 <br>Resolved-CLA provided. - Due Diligence Vendor-04/23/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.5 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.26 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Full Review833267_3907009_xxxxxx_4_22_2025_121141_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | NA | NA | xxxxxx |
| 833489 | xxxxxx | D A | Closed | xxxxxx | 2025-04-23 09:37 | 2025-04-30 11:48 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-04/30/2025 <br>Resolved-Guaranty Agreement provided. - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Document Uploaded. GA doc - Buyer-04/23/2025 <br>Open-Personal Guaranty is Missing. - Due Diligence Vendor-04/23/2025 |  | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-04/30/2025 <br>Resolved-Guaranty Agreement provided. - Due Diligence Vendor-04/23/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.01% 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 698 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 114.48 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 - 9.17 Years |  | xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 833489 | xxxxxx | D A | Closed | xxxxxx | 2025-04-23 09:35 | 2025-04-23 15:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-xxxxxx EIN provided - Due Diligence Vendor-04/23/2025 <br> Ready for Review-Document Uploaded. EIN - Buyer-04/23/2025 <br> Open-Missing IRS.GOV Tax ID number (EIN) - Due Diligence Vendor-04/23/2025 |  | Resolved-xxxxxx EIN provided - Due Diligence Vendor-04/23/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.01% 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 698 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 114.48 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 - 9.17 Years |  | xxxxxx SOS with EIN.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 833595 | xxxxxx | B A | Closed | xxxxxx | 2025-04-24 15:17 | 2025-04-24 15:35 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- Client Waived with Compensating Factors. Audited LTV of 80% exceeds Guideline LTV of 70% LTV of 80% exceeds guidelines maximum of 75% (loan<br> amount less than $150,000 - Due Diligence Vendor-04/24/2025 |  | Waived-Audited LTV of 80% exceeds Guideline LTV of 70% LTV of 80% exceeds guidelines maximum of 75% (loan<br> amount less than $150,000 - Due Diligence Vendor-04/24/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 801 is Greater Than The Guideline Minimum Of 680 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 - 8 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.39 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Credit Score 30+ points > minimum required<br> Reserves exceed requirement by 10 months or more<br> DSCR > 1.3 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 833683 | xxxxxx | D A | Closed | xxxxxx | 2025-04-24 15:12 | 2025-04-28 13:32 | Resolved | 1 - Information D A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-04/28/2025 <br> Ready for Review-Document Uploaded. VOM - Buyer-04/28/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Vom is missing for xxxxxx - Due Diligence Vendor-04/24/2025 |  | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-04/28/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.61 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | xxxxxx VOM.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | NA | NA | xxxxxx |
| 833709 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 833723 | xxxxxx | D A B | Closed | xxxxxx | 2025-04-07 01:42 | 2025-04-16 10:13 | Resolved | 1 - Information C A | Compliance | Closing Package | The Deed of Trust is Not Executed | Resolved- Executed DoT provided - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. - Seller-04/15/2025 <br> Open-The Deed of Trust is Not Executed Documents provided but not executed. - Due Diligence Vendor-04/07/2025 | Ready for Review-Document Uploaded. - Seller-04/15/2025<br>|  | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.41 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Mortgage (1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 833723 | xxxxxx | D A B | Closed | xxxxxx | 2025-04-07 03:21 | 2025-04-16 10:13 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. - Seller-04/15/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-04/07/2025 | Ready for Review-Document Uploaded. - Seller-04/15/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.41 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | 1008 (1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 833723 | xxxxxx | D A B | Closed | xxxxxx | 2025-04-07 09:27 | 2025-04-16 10:12 | Resolved | 1 - Information D A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. - Seller-04/15/2025 <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-04/07/2025 | Ready for Review-Document Uploaded. - Seller-04/15/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-04/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.41 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Lock form 3_24_2025 3_27_30 PM.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 833723 | xxxxxx | D A B | Closed | xxxxxx | 2025-04-07 09:29 | 2025-04-16 10:12 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-04/16/2025 <br>Resolved- - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. - Seller-04/15/2025 <br>Open-Initial Escrow Disclosure is provided on page CL90, however Borrower not signed. - Due Diligence Vendor-04/07/2025 | Ready for Review-Document Uploaded. - Seller-04/15/2025<br>| Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-04/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.41 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | INITIAL ESCROW DISC.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 833723 | xxxxxx | D A B | Closed | xxxxxx | 2025-04-07 01:39 | 2025-04-16 10:10 | Resolved | 1 - Information C A | Compliance | Closing Package | The Note is Not Executed | Resolved-The Note is Executed - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. - Seller-04/15/2025 <br>Open-The Note is Not Executed Note Doc Provided, but not executed. - Due Diligence Vendor-04/07/2025 | Ready for Review-Document Uploaded. - Seller-04/15/2025<br>| Resolved-The Note is Executed - Due Diligence Vendor-04/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.41 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Note (1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 833769 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 833772 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 833825 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 833865 | xxxxxx | D A | Closed | xxxxxx | 2025-04-21 16:17 | 2025-04-25 12:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/25/2025 <br>Ready for Review-Not required on DSCR loans as no ratios. please waive - Buyer-04/24/2025 <br>Open-Borrower 1 Gap Credit Report is Missing A credit refresh or undisclosed debt monitoring report dated within 10 days of closing is required, unless the original credit report is dated within 10 days from the Note Date. Evidence of undisclosed debt monitoring report is permitted to satisfy this requirement. Document missing in the loan file - Due Diligence Vendor-04/21/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/25/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 683 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 833886 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 834029 | xxxxxx | D A | Closed | xxxxxx | 2025-04-18 03:28 | 2025-04-29 14:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-LOE provided stating: Per the appraisal, the xxxxxx subject property is half rented. The comparable rents for the subject property were based on the whole property. Hence, gross rents from the long term market per FORM 1025 were used in the amount of $2950. - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. see lox - Buyer-04/28/2025 <br> Open-in Appraisal occupant showing as Tenant however lease agreement is missing for the unit xxxxxx to verify - Due Diligence Vendor-04/18/2025 |  | Resolved-LOE provided stating: Per the appraisal, the xxxxxx subject property is half rented. The comparable rents for the subject property were based on the whole property. Hence, gross rents from the long term market per FORM 1025 were used in the amount of $2950. - Due Diligence Vendor-04/29/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.11% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 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 168.82 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxxxxx lox.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | NA | NA | xxxxxx |
| 834121 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 834155 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 834218 | xxxxxx | C A | Closed | xxxxxx | 2025-04-25 16:47 | 2025-05-13 12:29 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-1004D provided shows no issues. - Due Diligence Vendor-05/13/2025 <br>Counter-Document Uploaded. - Due Diligence Vendor-05/13/2025 <br>Counter-Please see attached 1004D. - Due Diligence Vendor-05/13/2025 <br>Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present - Due Diligence Vendor-04/25/2025 |  | Resolved-1004D provided shows no issues. - Due Diligence Vendor-05/13/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 725 is Greater Than The Guideline Minimum Of 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 45.72 Are Greater Than The Guideline Minimum Of 0 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 - 5.61 Years |  | Full Review834218_3968635_xxxxxx_5_8_2025_44203_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 834218 | xxxxxx | C A | Closed | xxxxxx | 2025-04-28 10:42 | 2025-05-01 08:42 | Resolved | 1 - Information C A | Compliance | Points & Fees | xxxxxx Subprime Home Loan Test | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. Please see attached Disclosure and tracking. - Due Diligence Vendor-05/01/2025 <br> Open-This loan failed the xxxxxx subprime home loan test. (xxxxxx SB 8143 Section 5, 1(c))Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation.While the xxxxxx Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. \*\*\*The original file does not contain a xxxxxx SUBPRIME HOME LOAN DISCLOSURE and/or evidence the same was provided to the borrower. - Due Diligence Vendor-04/28/2025 |  | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-05/01/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 725 is Greater Than The Guideline Minimum Of 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 45.72 Are Greater Than The Guideline Minimum Of 0 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 - 5.61 Years |  | Full Review834218_3979077_xxxxxx_4_29_2025_35206_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 834251 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-06 13:30 | 2025-07-10 11:37 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived- Client Waived with Compensating Factors. Client provided guideline exception with comp factors for property exceeding allowable acreage - Due Diligence Vendor-07/10/2025 <br> Ready for Review-The request for an exception to xxxxxx's eligibility criteria is granted. - Buyer-06/10/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Per guidelines: Rural Properties not allowed. Exception provided is for acreage. - Due Diligence Vendor-06/06/2025 |  | Waived-Client provided guideline exception with comp factors for property exceeding allowable acreage - Due Diligence Vendor-07/10/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.28 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 735 is Greater Than The Guideline Minimum Of 700 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 - 25 Years | Compensating Factor 1 - Experienced investor owns and manages 5 or more properties for 12 months / Compensating Factor 2 - Credit Score 30+ points > minimum required / Compensating Factor 3 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 834270 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 834304 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 834312 | xxxxxx | D A | Closed | xxxxxx | 2025-05-08 11:07 | 2025-05-11 07:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Business Docs Provided. - Due Diligence Vendor-05/11/2025 <br>Ready for Review-Document Uploaded. Entity docs - Buyer-05/08/2025 <br>Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing business entity documents required by gl's:<br> - Articles of Organization/Partnership/Operating Agrmts<br> - Tax ID number (EIN)<br> - Cert of Good Standing<br> - Cert of Authorization for person executing all docs<br> - Due Diligence Vendor-05/08/2025 |  | Resolved-Business Docs Provided. - Due Diligence Vendor-05/11/2025<br>|  |  | xxxxxx entity docs.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | NA | NA | xxxxxx |
| 834324 | xxxxxx | D A | Closed | xxxxxx | 2025-05-29 15:04 | 2025-06-05 17:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Note and CD for the REO property provided and show no issues vs their qualification amounts. - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. Please see Note and final CD - Due Diligence Vendor-06/05/2025 <br> Open-Provide Mortgage Statement for the REO Property " xxxxxx ". However its missing in the Loan Package. - Due Diligence Vendor-05/29/2025 |  | Resolved-Note and CD for the REO property provided and show no issues vs their qualification amounts. - Due Diligence Vendor-06/05/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.87% 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 53.57% 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 47.83 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 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<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 - 9.28 Years |  | Full Review834324_4274081_xxxxxx_6_3_2025_21149_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 834392 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 834422 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-22 13:12 | 2025-05-29 10:19 | Cured | 2 - Non-Material C B | Compliance | TRID | Lender Credits That Cannot Decrease Test | Cured-Curative PCCD received - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. - Seller-05/28/2025 <br> Open-\*\*Lender provided a lender credit of $63.40 in the Initial CD issued xxxxxx intended to cure increase above threshold that was removed in the Final CD. Lender credits, specific and non-specific, cannot decrease without a valid COC reason. - Due Diligence Vendor-05/22/2025 <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 ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($63.40). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-05/22/2025 | Ready for Review-Document Uploaded. - Seller-05/28/2025<br>| Cured-Curative PCCD received - Due Diligence Vendor-05/29/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.16 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 - 5.40 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | pccd package.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | NA | NA | xxxxxx |
| 834422 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-08 13:27 | 2025-05-28 15:28 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Property Documentation provided. - Due Diligence Vendor-05/28/2025 <br> Ready for Review-Document Uploaded. Both Address xxxxxx and xxxxxx both are same, please see below snip<br>Parcel number for both properties is same - Seller-05/27/2025 <br> Counter-The Documents provided are for xxxxxx. Exception is requesting Mortgage Statement, Tax Bill and Insurance Policy xxxxxx - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Please advise on what it still missing - Seller-05/19/2025 <br> Counter-Missing Mortgage Statement, Tax Bill and Insurance Policy xxxxxx - Due Diligence Vendor-05/19/2025 <br> Ready for Review-Document Uploaded. - Seller-05/16/2025 <br> Open-Mortgage Statement, Tax Bill and Insurance Policy Missing xxxxxx. - Due Diligence Vendor-05/08/2025 | Ready for Review-Document Uploaded. Both Address xxxxxx and xxxxxx both are same, please see below snip<br>Parcel number for both properties is same - Seller-05/27/2025 <br> Ready for Review-Please advise on what it still missing - Seller-05/19/2025 <br> Ready for Review-Document Uploaded. - Seller-05/16/2025 | Resolved-Property Documentation provided. - Due Diligence Vendor-05/28/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.16 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 - 5.40 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxxxxx - MTG Stmt.pdf<br> VOM- xxxxxx.pdf<br> xxxxxx.pdf<br> parcel info.pdf<br> parcel info 2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | NA | NA | xxxxxx |
| 834422 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-22 13:12 | 2025-05-28 10:34 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\*\*Received Revised CD - Due Diligence Vendor-05/28/2025 <br> Ready for Review-Revised cd provided. see previous conditions - Seller-05/27/2025 <br> Counter-\*\*Section A of the Final CD disclosed a Discount Point fee in the amount of $5,100 that was not previously disclosed. The COC provided with Date of Change of xxxxxx indicates that origination points were added due to rate change. The provided CD issued xxxxxx did not disclose the discount points fee. COC is invalid in relation to disclosure time due to disclosing more than 3 business days from the COC Date of Change of xxxxxx. - Due Diligence Vendor-05/22/2025 <br> Open-\*\*Section of the Final CD disclosed a Discount Point fee in the amount of $5,100 that was not previously disclosed. The COC provided with Date of Change of xxxxxx indicates that origination points were added due to rate change. The provided CD issued xxxxxx did not disclose the discount points fee. COC is invalid in relation to disclosure time due to disclosing more than 3 business days from the COC Date of Change of xxxxxx. - Due Diligence Vendor-05/22/2025 <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-05/22/2025 | Ready for Review-Revised cd provided. see previous conditions - Seller-05/27/2025<br>| Resolved-\*\*\*Received Revised CD - Due Diligence Vendor-05/28/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.16 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 - 5.40 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | NA | NA | xxxxxx |
| 834422 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-22 13:12 | 2025-05-28 10:34 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*\*Received Revised CD - Due Diligence Vendor-05/28/2025 <br> Ready for Review-Revised cd provided. see previous conditions - Seller-05/27/2025 <br> Counter-\*\*Section A of the Final CD disclosed a Discount Point fee in the amount of $5,100 that was not previously disclosed. The COC provided with Date of Change of xxxxxx indicates that origination points were added due to rate change. The provided CD issued xxxxxx did not disclose the discount points fee. COC is invalid in relation to disclosure time due to disclosing more than 3 business days from the COC Date of Change of xxxxxx. - Due Diligence Vendor-05/22/2025 <br> Open-\*\*Section of the Final CD disclosed a Discount Point fee in the amount of $5,100 that was not previously disclosed. The COC provided with Date of Change of xxxxxx indicates that origination points were added due to rate change. The provided CD issued xxxxxx did not disclose the discount points fee. COC is invalid in relation to disclosure time due to disclosing more than 3 business days from the COC Date of Change of xxxxxx. - Due Diligence Vendor-05/22/2025 <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-05/22/2025 | Ready for Review-Revised cd provided. see previous conditions - Seller-05/27/2025<br>| Resolved-\*\*\*Received Revised CD - Due Diligence Vendor-05/28/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.16 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 - 5.40 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | NA | NA | xxxxxx |
| 834422 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-22 13:12 | 2025-05-28 10:34 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*\*Received Revised CD - Due Diligence Vendor-05/28/2025 <br> Ready for Review-Revised cd provided in other condition - Seller-05/27/2025 <br> Counter-\*\*Section A of the Final CD disclosed a Discount Point fee in the amount of $5,100 that was not previously disclosed. The COC provided with Date of Change of xxxxxx indicates that origination points were added due to rate change. The provided CD issued xxxxxx did not disclose the discount points fee. COC is invalid in relation to disclosure time due to disclosing more than 3 business days from the COC Date of Change of xxxxxx. - Due Diligence Vendor-05/22/2025 <br> Open-\*\*Section of the Final CD disclosed a Discount Point fee in the amount of $5,100 that was not previously disclosed. The COC provided with Date of Change of xxxxxx indicates that origination points were added due to rate change. The provided CD issued xxxxxx did not disclose the discount points fee. COC is invalid in relation to disclosure time due to disclosing more than 3 business days from the COC Date of Change of xxxxxx. - Due Diligence Vendor-05/22/2025 <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 $5,100.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-05/22/2025 | Ready for Review-Revised cd provided in other condition - Seller-05/27/2025<br>| Resolved-\*\*\*Received Revised CD - Due Diligence Vendor-05/28/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.16 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 - 5.40 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | NA | NA | xxxxxx |
| 834422 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-22 13:25 | 2025-05-28 10:34 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test | Resolved-\*\*\*Received Revised CD - Due Diligence Vendor-05/28/2025 <br> Ready for Review-Document Uploaded. 2 Cds were sent on xxxxxx. The COC belongs to the latter. Attached. - Seller-05/27/2025 <br> Counter-\*\*Section A of the Final CD disclosed a Discount Point fee in the amount of $5,100 that was not previously disclosed. The COC provided with Date of Change of xxxxxx indicates that origination points were added due to rate change. The provided CD issued xxxxxx did not disclose the discount points fee. COC is invalid in relation to disclosure time due to disclosing more than 3 business days from the COC Date of Change of xxxxxx. - Due Diligence Vendor-05/22/2025 <br> Open-This loan failed the revised closing disclosure delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 , 12 CFR §1026.19(e)(4)(i))The revised closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneIf a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...However, if a creditor uses a revised estimate pursuant to § 1026.19(e)(3)(iv) for the purpose of determining good faith under § 1026.19(e)(3)(i) and (ii), § 1026.19(e)(4)(i) permits the creditor to provide the revised estimate in the disclosures required under § 1026.19(f)(1)(i) (including any corrected disclosures provided under § 1026.19(f)(2)(i) or (ii)). \*\*Section of the Final CD disclosed a Discount Point fee in the amount of $5,100 that was not previously disclosed. The COC provided with Date of Change of xxxxxx indicates that origination points were added due to rate change. The provided CD issued xxxxxx did not disclose the discount points fee. COC is invalid in relation to disclosure time due to disclosing more than 3 business days from the COC Date of Change of xxxxxx. - Due Diligence Vendor-05/22/2025 | Ready for Review-Document Uploaded. 2 Cds were sent on xxxxxx. The COC belongs to the latter. Attached. - Seller-05/27/2025 | Resolved-\*\*\*Received Revised CD - Due Diligence Vendor-05/28/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.16 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 - 5.40 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | REVISED CD.pdf<br>CD Changed Circumstance.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | NA | NA | xxxxxx |
| 834422 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-09 03:16 | 2025-05-22 13:21 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-\*\*Received ILE, Revised LE, Initial CD, Final CD, and COC. - Due Diligence Vendor-05/22/2025 <br> Ready for Review-Document Uploaded. - Seller-05/21/2025 <br> Counter-Loan Estimates dated xxxxxx & xxxxxx, have been provided. Final Closing Disclosure Dated xxxxxx has been provided. Data entered, resulting in additional findings. <br> \*\*\*\*\*\*\* A Locked Loan Estimate, advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx, has not been provided \*\* LE dated xxxxxx, violates COC timing rules . Rate dependent charge changes subject to 0% tolerance total $5100.00. Please provide PCCD, LOE, copy of refund check and proof of mailing.<br>\*\*\*\*\*\*\*• Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation) is missing. Revised Closing Disclosure(s) with associated Changed Circumstance Detail form(s) are missing, if any. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. - Seller-05/19/2025 <br> Open-\*\*\*Original file is missing the Initial LE and all initial disclosures, lender to provide along with all revised LE, if applicable and copy of the Initial CD issued at least 3 business days prior to closing. Documents are needed in order to perform a full compliance review. - Due Diligence Vendor-05/09/2025 <br> Open- - Due Diligence Vendor-05/09/2025 | Ready for Review-Document Uploaded. - Seller-05/21/2025 <br>Ready for Review-Document Uploaded. - Seller-05/19/2025<br>| Resolved-\*\*Received ILE, Revised LE, Initial CD, Final CD, and COC. - Due Diligence Vendor-05/22/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.16 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 - 5.40 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | E-DISC.pdf<br> Closing Disclosure (Alternate).pdf<br> CD Changed Circumstance.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | NA | NA | xxxxxx |
| 834422 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-09 03:16 | 2025-05-22 13:21 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*Received ILE, Revised LE, Initial CD, Final CD, and COC. - Due Diligence Vendor-05/22/2025 <br> Ready for Review-Document Uploaded. - Seller-05/21/2025 <br> Counter-Loan Estimates dated xxxxxx & xxxxxx, have been provided. Final Closing Disclosure Dated xxxxxx has been provided. Data entered, resulting in additional findings. <br> \*\*\*\*\*\*\* A Locked Loan Estimate, advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx, has not been provided \*\* LE dated xxxxxx, violates COC timing rules . Rate dependent charge changes subject to 0% tolerance total $5100.00. Please provide PCCD, LOE, copy of refund check and proof of mailing.<br>\*\*\*\*\*\*\*• Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation) is missing. Revised Closing Disclosure(s) with associated Changed Circumstance Detail form(s) are missing, if any. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. - Seller-05/19/2025 <br> Open-\*\*\*Original file is missing the Initial LE and all initial disclosures, lender to provide along with all revised LE, if applicable and copy of the Initial CD issued at least 3 business days prior to closing. Documents are needed in order to perform a full compliance review. - Due Diligence Vendor-05/09/2025 <br> Open- - Due Diligence Vendor-05/09/2025 | Ready for Review-Document Uploaded. - Seller-05/21/2025 <br>Ready for Review-Document Uploaded. - Seller-05/19/2025<br>| Resolved-\*\*Received ILE, Revised LE, Initial CD, Final CD, and COC. - Due Diligence Vendor-05/22/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.16 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 - 5.40 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | E-DISC.pdf<br>Closing Disclosure (Alternate).pdf<br>CD Changed Circumstance.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | NA | NA | xxxxxx |
| 834422 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-08 11:53 | 2025-05-19 10:56 | Resolved | 1 - Information C A | Credit | Income | Borrower 1 Business Bank Statements Less Than 12 Months Provided | Resolved- Missing Bank Statement provided - Due Diligence Vendor-05/19/2025 <br> Ready for Review-Document Uploaded. - Seller-05/16/2025 <br> Open-Borrower Business bank statements Provided only 5 Monthsxxxxxx #Account xxxxxx.Needed 12 Months Bank Statements For income Calculation. - Due Diligence Vendor-05/08/2025 | Ready for Review-Document Uploaded. - Seller-05/16/2025<br>|  | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.16 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 - 5.40 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 12 Month bank statement.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | NA | NA | xxxxxx |
| 834422 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-08 11:49 | 2025-05-19 10:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/19/2025 <br>Ready for Review-Document Uploaded. - Seller-05/16/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary Missing Lender Income Worksheet. - Due Diligence Vendor-05/08/2025 | Ready for Review-Document Uploaded. - Seller-05/16/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/19/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.16 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 - 5.40 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Income calculation Worksheet.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | NA | NA | xxxxxx |
| 834422 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-08 13:09 | 2025-05-19 10:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/19/2025 <br>Ready for Review-Document Uploaded. - Seller-05/16/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-05/08/2025 | Ready for Review-Document Uploaded. - Seller-05/16/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/19/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.16 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 - 5.40 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Gap credit.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | NA | NA | xxxxxx |
| 834422 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-08 11:43 | 2025-05-19 10:28 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/19/2025 <br>Ready for Review-Document Uploaded. - Seller-05/15/2025 <br>Open-Missing Hazard Insurance Policy - Due Diligence Vendor-05/08/2025 | Ready for Review-Document Uploaded. - Seller-05/15/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/19/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.16 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 - 5.40 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | INS.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | NA | NA | xxxxxx |
| 834422 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-08 11:38 | 2025-05-19 10:26 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-UCDP provided - Per Guides: The Seller may submit the appraisal report to Collateral Underwriter® (CU®) or Loan Collateral Advisor® (LCA). An eligible score is 2.5 or less. The file must include a copy of the Submission Summary Report (SSR). (Only one score required, if both scores (CU & LCA) provided, both required to be 2.5 or less). CU score is a 2 & LCA is a 1 Eligible. - Due Diligence Vendor-05/19/2025 <br>Ready for Review-Document Uploaded. - Seller-05/16/2025 <br>Open-3rd Party Valuation Product is Required and Missing in the File. - Due Diligence Vendor-05/08/2025 | Ready for Review-Document Uploaded. - Seller-05/16/2025<br>| Resolved-UCDP provided - Per Guides: The Seller may submit the appraisal report to Collateral Underwriter® (CU®) or Loan Collateral Advisor® (LCA). An eligible score is 2.5 or less. The file must include a copy of the Submission Summary Report (SSR). (Only one score required, if both scores (CU & LCA) provided, both required to be 2.5 or less). CU score is a 2 & LCA is a 1 Eligible. - Due Diligence Vendor-05/19/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.16 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 - 5.40 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | SSR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | NA | NA | xxxxxx |
| 834422 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-09 03:12 | 2025-05-19 07:41 | Resolved | 1 - Information D A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/19/2025 <br> Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-05/19/2025 <br> Ready for Review-Document Uploaded. - Seller-05/16/2025 <br> Open-Evidence of Rate Lock Missing - Due Diligence Vendor-05/09/2025 | Ready for Review-Document Uploaded. - Seller-05/16/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/19/2025 <br> Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-05/19/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.16 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 - 5.40 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Lock form 4_23_2025 2_32_07 PM.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | NA | NA | xxxxxx |
| 834434 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 834443 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 834453 | xxxxxx | B A | Closed | xxxxxx | 2025-04-02 16:58 | 2025-04-02 16:58 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- Client Waived with Compensating Factors. Audited LTV of 75% exceeds Guideline LTV of 70% - Due Diligence Vendor-04/02/2025 |  | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% - Due Diligence Vendor-04/02/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 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 - Months Reserves Of 96.86 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | Good Mortgage and Credit payment history<br> 99 months reserves w/12 required<br> Experienced investor |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 834459 | xxxxxx | D A | Closed | xxxxxx | 2025-04-01 18:25 | 2025-04-08 14:52 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title work is now received and shows no issues. - Due Diligence Vendor-04/08/2025 <br>Ready for Review-Document Uploaded. Prelim - Due Diligence Vendor-04/08/2025 <br>Open-Title Document is missing - Due Diligence Vendor-04/01/2025 |  | Resolved-Title work is now received and shows no issues. - Due Diligence Vendor-04/08/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.97 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | Full Review834459_3746857_Vo_4_7_2025_30928_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | NA | NA | xxxxxx |
| 834470 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 834487 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 834673 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 834675 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 834777 | xxxxxx | C A | Closed | xxxxxx | 2025-05-23 17:28 | 2025-05-31 11:09 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/31/2025 <br>Ready for Review-Document Uploaded. ICD - Seller-05/30/2025 <br>Counter-\*\*Received the Disclosure Tracking Summary document and COCs. These documents alone do not resolve the finding. Lender needs to provide a copy of the Initial CD. - Due Diligence Vendor-05/28/2025 <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. \*\*Lender to provide missing Initial Closing Disclosure and evidence that disclosure was provided to borrowers at least 3 business days prior to closing and any other Revised LEs/CDs. Document are needed to complete compliance testing. - Due Diligence Vendor-05/23/2025 | Ready for Review-Document Uploaded. ICD - Seller-05/30/2025<br>| Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/31/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.07% 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 113.12 Are Greater Than The Guideline Minimum Of 3 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 - 19.16 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 - 19.27 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 |  | ICD xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 834777 | xxxxxx | C A | Closed | xxxxxx | 2025-05-23 17:28 | 2025-05-31 11:09 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/31/2025 <br>Ready for Review-Document Uploaded. ICD - Buyer-05/30/2025 <br>Counter-\*\*Received the Disclosure Tracking Summary document and COCs. These documents alone do not resolve the finding. Lender needs to provide a copy of the Initial CD. - Due Diligence Vendor-05/28/2025 <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. \*\*Lender to provide missing Initial Closing Disclosure and evidence that disclosure was provided to borrowers at least 3 business days prior to closing and any other Revised LEs/CDs. Document are needed to complete compliance testing. - Due Diligence Vendor-05/23/2025 |  | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/31/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.07% 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 113.12 Are Greater Than The Guideline Minimum Of 3 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 - 19.16 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 - 19.27 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 |  | ICD xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 834777 | xxxxxx | C A | Closed | xxxxxx | 2025-05-23 17:28 | 2025-05-31 11:09 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/31/2025 <br> Ready for Review-Document Uploaded. ICD - Seller-05/30/2025 <br> Counter-\*\*Received the Disclosure Tracking Summary document and COCs. These documents alone do not resolve the finding. Lender needs to provide a copy of the Initial CD. - Due Diligence Vendor-05/28/2025 <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 $3,996.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*Lender to provide missing Initial Closing Disclosure and evidence that disclosure was provided to borrowers at least 3 business days prior to closing and any other Revised LEs/CDs. Document are needed to complete compliance testing. - Due Diligence Vendor-05/23/2025 | Ready for Review-Document Uploaded. ICD - Seller-05/30/2025<br>| Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/31/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.07% 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 113.12 Are Greater Than The Guideline Minimum Of 3 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 - 19.16 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 - 19.27 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 |  | ICD xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 834777 | xxxxxx | C A | Closed | xxxxxx | 2025-05-23 17:30 | 2025-05-31 11:09 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/31/2025 <br> Ready for Review-Document Uploaded. ICD - Seller-05/30/2025 <br> Counter-\*\*Received the Disclosure Tracking Summary document and COCs. These documents alone do not resolve the finding. Lender needs to provide a copy of the Initial CD. - Due Diligence Vendor-05/28/2025 <br> Ready for Review-Document Uploaded. See disclosure tracking/ do you need a copy of the ICD? - Buyer-05/27/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. \*\*Lender to provide missing Initial Closing Disclosure and evidence that disclosure was provided to borrowers at least 3 business days prior to closing and any other Revised LEs/CDs. Document are needed to complete compliance testing. - Due Diligence Vendor-05/23/2025 | Ready for Review-Document Uploaded. ICD - Seller-05/30/2025<br>| Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/31/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.07% 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 113.12 Are Greater Than The Guideline Minimum Of 3 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 - 19.16 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 - 19.27 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 |  | xxxxxx disclose test.pdf<br> ICD xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 834794 | xxxxxx | B A | Closed | xxxxxx | 2025-05-06 11:21 | 2025-05-06 11:21 | Waived | 2 - Non-Material B | Credit | Income | DSCR is less than the guideline minimum | Waived- Client Waived with Compensating Factors. Second exception: DSCR < 1.25. - Due Diligence Vendor-05/06/2025 |  | Waived-Second exception: DSCR < 1.25. - Due Diligence Vendor-05/06/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 741 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 93.84 Are Greater Than The Guideline Minimum Of 2 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 - 5.16 Years | \* Subject property home ownership > 10 years<br> \* Reserves exceed requirement by 10 months or more<br> \* Subject property home ownership > 10 years<br> \* Reserves exceed requirement by 10 months or more |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 834794 | xxxxxx | B A | Closed | xxxxxx | 2025-05-06 11:20 | 2025-05-06 11:20 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- Client Waived with Compensating Factors. Audited LTV of 66.67% exceeds Guideline LTV of 65% Exception for 70% LTV? Max is 65% for loan amounts <$150k. - Due Diligence Vendor-05/06/2025 |  | Waived-Audited LTV of 66.67% exceeds Guideline LTV of 65% Exception for 70% LTV? Max is 65% for loan amounts <$150k. - Due Diligence Vendor-05/06/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 741 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 93.84 Are Greater Than The Guideline Minimum Of 2 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 - 5.16 Years | \* Subject property home ownership > 10 years<br> \* Reserves exceed requirement by 10 months or more<br> \* Subject property home ownership > 10 years<br> \* Reserves exceed requirement by 10 months or more |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 834798 | xxxxxx | D A | Closed | xxxxxx | 2025-04-09 13:18 | 2025-04-14 14:48 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | 1-4 Family Rider is Missing | Resolved-Assignments of Lease and rents rider provided. - Due Diligence Vendor-04/14/2025 <br>Ready for Review-Document Uploaded. assignment of lease and rents - Buyer-04/14/2025 <br>Open-1-4 Family Rider is Missing on this file. - Due Diligence Vendor-04/09/2025 |  | Resolved-Assignments of Lease and rents rider provided. - Due Diligence Vendor-04/14/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 0% 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 - 10.08 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 744 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxxxxx - Assignment of Leases and Rents Rider.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | NA | NA | xxxxxx |
| 834798 | xxxxxx | D A | Closed | xxxxxx | 2025-04-09 13:18 | 2025-04-14 14:46 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-04/14/2025 <br> Ready for Review-Document Uploaded. Appraisal on xxxxxx - Buyer-04/14/2025 <br> Open-Appraisal is Missing Appraisal Document is Missing on this file. - Due Diligence Vendor-04/09/2025 |  | Resolved-Appraisal has been provided - Due Diligence Vendor-04/14/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 0% 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 - 10.08 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 744 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | apprisal on xxxxxx 128730.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | NA | NA | xxxxxx |
| 834876 | xxxxxx | C B A | Closed | xxxxxx | 2025-05-15 14:10 | 2025-05-22 15:01 | Waived | 2 - Non-Material C B | Credit | Eligibility | Builder is in control of HOA | Waived- Client Waived with Compensating Factors. Client provided guideline exception for builder in control as all units are not conveyed to unit owners. - Due Diligence Vendor-05/22/2025 <br> Ready for Review-Document Uploaded. The request for an exception to xxxxxx's eligibility criteria is granted. - Due Diligence Vendor-05/22/2025 <br> Open-The Builder is in control of the HOA - Due Diligence Vendor-05/15/2025 |  | Waived-Client provided guideline exception for builder in control as all units are not conveyed to unit owners. - Due Diligence Vendor-05/22/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 92.01 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 733 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points | Credit Score 30+ points > minimum required; 0x30 for 48 months on all mortgages | Full Review834876_4153982_xxxxxx_5_22_2025_11101_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 834876 | xxxxxx | C B A | Closed | xxxxxx | 2025-05-20 17:03 | 2025-05-20 17:05 | Waived | 2 - Non-Material B | Credit | Eligibility | Excessive Seller Contributions | Waived- Client Waived with Compensating Factors. exception for 4% seller's concession - Due Diligence Vendor-05/20/2025 |  | Waived-exception for 4% seller's concession - Due Diligence Vendor-05/20/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 92.01 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 733 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points | \* Credit Score 30+ points > minimum required<br> \* 0x30 for 48 months on all mortgages<br> \* Credit Score 30+ points > minimum required<br> \* 0x30 for 48 months on all mortgages |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 834876 | xxxxxx | C B A | Closed | xxxxxx | 2025-05-15 14:31 | 2025-05-15 14:31 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Type does not meet eligibility requirement(s) | Waived- Client Waived with Compensating Factors. Exception granted for Condo project does not meet guidelines. Less than < 50% of units are owner-occupied and < 50% units in project have been sold/conveyed. - Due Diligence Vendor-07/10/2025 |  | Waived-Exception granted for xxxxxx project does not meet guidelines. Less than < 50% of units are owner-occupied and < 50% units in project have been sold/conveyed. - Due Diligence Vendor-07/10/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 92.01 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 733 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points | \* Credit Score 30+ points > minimum required<br> \* 0x30 for 48 months on all mortgages<br> \* Credit Score 30+ points > minimum required<br> \* 0x30 for 48 months on all mortgages |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 834878 | xxxxxx | C B A | Closed | xxxxxx | 2025-05-12 15:57 | 2025-07-10 10:56 | Waived | 2 - Non-Material C B | Credit | Eligibility | Builder is in control of HOA | Waived- Client Waived with Compensating Factors. Client provided guideline exception allowing for builder in control of HOA and not all units being conveyed to unit owners. - Due Diligence Vendor-05/22/2025 <br> Ready for Review-Document Uploaded. The request for an exception to xxxxxx's eligibility criteria is granted. - Due Diligence Vendor-05/22/2025 <br> Open-The xxxxxx is in control of the HOA. HOA must be conveyed to the unit owners – no developer or builder-controlled projects allowed. - Due Diligence Vendor-05/12/2025 |  | Waived-Client provided guideline exception allowing for builder in control of HOA and not all units being conveyed to unit owners. - Due Diligence Vendor-05/22/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 733 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 92.37 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - 0x30 for 48 months on all mortgages | Full Review834878_4119377_xxxxxx_5_22_2025_10621_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 834878 | xxxxxx | C B A | Closed | xxxxxx | 2025-05-13 18:01 | 2025-07-10 10:56 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Type does not meet eligibility requirement(s) | Waived- Client Waived with Compensating Factors. Exception granted for Condo project does not meet guidelines. Less than < 50% of units are owner-occupied and < 50% units in project have been sold/conveyed. - Due Diligence Vendor-07/10/2025 |  | Waived-Exception granted for xxxxxx project does not meet guidelines. Less than < 50% of units are owner-occupied and < 50% units in project have been sold/conveyed. - Due Diligence Vendor-07/10/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 733 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 92.37 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | \* Credit Score 30+ points > minimum required<br> \* 0x30 for 48 months on all mortgages |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 835102 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 835123 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 835127 | xxxxxx | D A | Closed | xxxxxx | 2025-04-24 17:31 | 2025-04-28 22:48 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Updated 1003 provided removing xxxxxx CU from qualifying. - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. Uploaded 1003 removed xxxxxx CU since not needed. - Due Diligence Vendor-04/29/2025 <br> Open-Asset 2 Missing xxxxxx CU Statement is not in file. - Due Diligence Vendor-04/26/2025 |  | Resolved-Updated 1003 provided removing xxxxxx CU from qualifying. - Due Diligence Vendor-04/29/2025 | 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>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 105.72 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review835127_3957104_xxxxxx_4_28_2025_51206_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | NA | NA | xxxxxx |
| 835154 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 835174 | xxxxxx | D A | Closed | xxxxxx | 2025-04-24 18:28 | 2025-04-27 10:09 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-SSR provided reflecting a CU score of 2.1 - Due Diligence Vendor-04/27/2025 <br> Ready for Review-Document Uploaded. - Seller-04/25/2025 <br> Open-Missing appraisal review (ARR/CDA). - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. - Seller-04/25/2025<br>| Resolved-SSR provided reflecting a CU score of 2.1 - Due Diligence Vendor-04/27/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.09% 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 - 28 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 112.27 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | SSR.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 835174 | xxxxxx | D A | Closed | xxxxxx | 2025-04-24 18:19 | 2025-04-27 10:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Business Documents provided. - Due Diligence Vendor-04/27/2025 <br>Ready for Review-Document Uploaded. - Seller-04/25/2025 <br>Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing Articles of Incorporation, IRS TIN, Certificate of Good Standing, Operating Agreement. - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. - Seller-04/25/2025<br>| Resolved-Business Documents provided. - Due Diligence Vendor-04/27/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.09% 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 - 28 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 112.27 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | CORP DOCS FINAL.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 835174 | xxxxxx | D A | Closed | xxxxxx | 2025-04-23 13:27 | 2025-04-27 10:07 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/27/2025 <br>Ready for Review-Document Uploaded. - Seller-04/25/2025 <br>Open-Missing Hazard Insurance Policy - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. - Seller-04/25/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/27/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.09% 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 - 28 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 112.27 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | HOI FINAL.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 835204 | xxxxxx | D A | Closed | xxxxxx | 2025-04-30 19:54 | 2025-05-08 16:58 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-LE that issued for Discovery shows PITIA payment and amounts are escowed. No further info needed. - Due Diligence Vendor-05/08/2025 <br> Counter-Updated 1003 provided and approval from xxxxxx but that approval does not show any payment or escrow information. For Discovery, we need the most recent LE or CD for Discovery that was known prior to Pipit closing. If the loan is being escrowed, only the LE or CD is needed. If not being escrowed, then the TIA docs are needed as well. - Due Diligence Vendor-05/08/2025 <br> Ready for Review-Document Uploaded. Please see attached updated 1003. Property still has not closed. Currently Approved. - Due Diligence Vendor-05/08/2025 <br> Counter-Loan has yet to close and loan approval was provided. What is needed in this situation is something proving the most current payment information known at the time of closing on the subject transaction to include PITIA (LE, CD, HOA information can be provided. Separate tax and insurance information would not be needed if loan is escrowed which it appears to be at this point.) - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. Loan is still in the approval status. There is the LE in the file. Please see attached approval letter - Due Diligence Vendor-05/06/2025 <br> Open-Documents are not provided for Recent Purchase Investment Property xxxxxx to verify the Mortgage Payment - Due Diligence Vendor-04/30/2025 |  | Resolved-LE that issued for Discovery shows PITIA payment and amounts are escowed. No further info needed. - Due Diligence Vendor-05/08/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.63 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.1% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.08 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 - 20.08 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.92 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.42% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review835204_4010355_xxxxxx_5_5_2025_40754_PM.zip<br> Full Review835204_4010356_xxxxxx_5_7_2025_50552_PM.zip<br> Full Review835204_4010355_xxxxxx_5_7_2025_50531_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 835204 | xxxxxx | D A | Closed | xxxxxx | 2025-04-30 19:54 | 2025-05-08 16:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-LE that issued for Discovery shows PITIA payment and amounts are escowed. No further info needed. - Due Diligence Vendor-05/08/2025 <br> Open-Tax and HOI Documents are not provided for Recent Purchase Investment Property xxxxxx - Due Diligence Vendor-04/30/2025 |  | Resolved-LE that issued for Discovery shows PITIA payment and amounts are escowed. No further info needed. - Due Diligence Vendor-05/08/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.63 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.1% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.08 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 - 20.08 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.92 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.42% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 835222 | xxxxxx | C A | Closed | xxxxxx | 2025-05-08 15:51 | 2025-05-15 07:57 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC event details provided - Due Diligence Vendor-05/15/2025 <br> Ready for Review-see attachment on other condition - Seller-05/14/2025 <br> Open-\*\*\*The Transfer Tax increased to $2975 in the Revised LE issued xxxxxx and remained through the Final CD. The original file does not contain a valid COC in relation the increase. - Due Diligence Vendor-05/09/2025 <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-05/08/2025 | Ready for Review-see attachment on other condition - Seller-05/14/2025<br>| Resolved-COC event details provided - Due Diligence Vendor-05/15/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.05 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.02 Are Greater Than The Guideline Minimum Of 3 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 - 7.31 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 835222 | xxxxxx | C A | Closed | xxxxxx | 2025-05-08 15:51 | 2025-05-15 07:57 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-COC event details provided - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Document Uploaded. - Seller-05/14/2025 <br> Open-\*\*\*The Transfer Tax increased to $2975 in the Revised LE issued xxxxxx and remained through the Final CD. The original file does not contain a valid COC in relation the increase. - Due Diligence Vendor-05/09/2025 <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-05/08/2025 | Ready for Review-Document Uploaded. - Seller-05/14/2025<br>| Resolved-COC event details provided - Due Diligence Vendor-05/15/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.05 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.02 Are Greater Than The Guideline Minimum Of 3 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 - 7.31 Years |  | COC change request.pdf<br>LE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 835222 | xxxxxx | C A | Closed | xxxxxx | 2025-05-08 15:51 | 2025-05-15 07:57 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-COC event details provided - Due Diligence Vendor-05/15/2025 <br> Ready for Review-see attachment on other condition - Seller-05/14/2025 <br> Open-\*\*\*The Transfer Tax increased to $2975 in the Revised LE issued xxxxxx and remained through the Final CD. The original file does not contain a valid COC in relation the increase. - Due Diligence Vendor-05/09/2025 <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 $1,050.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-05/08/2025 | Ready for Review-see attachment on other condition - Seller-05/14/2025<br>| Resolved-COC event details provided - Due Diligence Vendor-05/15/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.05 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.02 Are Greater Than The Guideline Minimum Of 3 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 - 7.31 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 835261 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 835354 | xxxxxx | C B A | Closed | xxxxxx | 2025-04-24 13:50 | 2025-04-30 13:14 | Resolved | 1 - Information C A | Credit | Eligibility | DTI (Back) Ratio does not meet eligibility requirement(s) | Resolved-xxxxxx - Lender is xxxxxx - Property report in file states this property is a xxxxxx - Due Diligence Vendor-04/30/2025 <br> Ready for Review-The address is a commercial property where business is located. This is not considered as other REO or investment property. - Seller-04/29/2025 <br> Counter-Lender replied with xxxxxx Unsure as to what this means, Please advise xxxxxx - Due Diligence Vendor-04/29/2025 <br> Ready for Review-xxxxxx<br> - Seller-04/29/2025 <br> Counter-Document Uploaded. The Final 1003 reflects xxxxxx - Lender is xxxxxx - Property report in file states this property is a xxxxxx. 1008 does not reflect this Neg rent (per the 1003) $-3010.26 - Due Diligence Vendor-04/28/2025 <br> Ready for Review-Borrower has no rental property nor other REO owned.<br>- Seller-04/28/2025 <br> Open-Back End DTI variance due to 1008 Total of Payments does not include Net Rental Loss. - Due Diligence Vendor-04/24/2025 | Ready for Review-The address is a commercial property where business is located. This is not considered as other REO or investment property. - Seller-04/29/2025 <br> Ready for Review-xxxxxx<br> - Seller-04/29/2025 <br> Ready for Review-Borrower has no rental property nor other REO owned.<br>- Seller-04/28/2025 | Resolved-xxxxxx - Lender is xxxxxx- Property report in file states this property is a xxxxxx - Due Diligence Vendor-04/30/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.90 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 0.19<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.03% Is Less Than The Guideline Maximum Of 43% 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 - 10.75 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56.22 Are Greater Than The Guideline Minimum Of 3 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 - 19.83 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More |  | Screenshot 2025-04-28 105306.jpg<br> Screenshot 2025-04-28 110603.jpg | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 835354 | xxxxxx | C B A | Closed | xxxxxx | 2025-04-23 06:28 | 2025-04-24 12:43 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived- Client Waived with Compensating Factors. Exception approved for Housing History of 2x30x12. - Due Diligence Vendor-04/23/2025 |  | Waived-Exception approved for Housing History of 2x30x12. - Due Diligence Vendor-04/23/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.90 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 0.19<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.03% Is Less Than The Guideline Maximum Of 43% 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 - 10.75 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56.22 Are Greater Than The Guideline Minimum Of 3 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 - 19.83 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More | DTI is 17.675%, max allowed is 50%. Post closing reserves is 56.29 months which program requires 3 months. LTV is 55%, max allowed 65%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 835374 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-09 03:57 | 2025-04-17 08:16 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-04/17/2025 <br> Ready for Review-Document Uploaded. - Seller-04/16/2025 <br> Counter-Missing the Entire Appraisal from the Loan file. Please provide. - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Appraisal report for xxxxxx is already in documents and shows xxxxxx please clear - Seller-04/15/2025 <br> Counter-The Exception is stating the file is missing the Full appraisal for xxxxxx - Due Diligence Vendor-04/15/2025 <br> Ready for Review-It states right on the first page unit xxxxxx - Seller-04/14/2025 <br> Open-Appraisal is Missing Missing appraisal Unit xxxxxx - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. - Seller-04/16/2025 <br> Ready for Review-Appraisal report for xxxxxx is already in documents and shows xxxxxx please clear - Seller-04/15/2025 <br> Ready for Review-It states right on the first page unit xxxxxx - Seller-04/14/2025 | Resolved-Appraisal has been provided - Due Diligence Vendor-04/17/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 99.13 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.66 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | APPRAISAL.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 835374 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-11 12:37 | 2025-04-17 08:12 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-04/17/2025 <br> Ready for Review-Document Uploaded. - Seller-04/16/2025 <br> Counter-Provide a Signed Note from the borrower. - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. - Seller-04/15/2025 <br> Counter-Document Uploaded. There is nothing in the Original Note that states its an I/O therefore the monthly P&I payment is being calculated as $2,552.25 vs what the Note states xxxxxx nor is there a Interest Only Fixed rate Note Rider to Note. - Due Diligence Vendor-04/15/2025 <br> Ready for Review-This is a interest only program. - Seller-04/14/2025 <br> Open-Calculated Initial P&I Payment Amount does not match Initial P&I Payment Amount (Variance exceeds $0.01) Payment shown on note appears to be interest only. Program code is for Interest only. There is no language in note that states interest only or for how long. Corrected note needed. - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. - Seller-04/16/2025 <br>Ready for Review-Document Uploaded. - Seller-04/15/2025 <br>Ready for Review-This is a interest only program. - Seller-04/14/2025<br>| Resolved-The Note is Present - Due Diligence Vendor-04/17/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 99.13 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.66 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | Screenshot 2025-04-15 080943.jpg<br>CORRECTED NOTE.pdf<br>NOTE & SIGNED ALLONGE.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 835374 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-11 09:47 | 2025-04-11 09:47 | Waived | 2 - Non-Material B | Credit | Eligibility | Number of Mortgaged Properties and/or aggregate loan balance with lender exceeds max allowable. | Waived- Client Waived with Compensating Factors. xxxxxx aggregate exposure > $2,000,000. Total of xxxxxx properties is xxxxxx - Due Diligence Vendor-04/11/2025 |  | Waived-xxxxxx aggregate exposure > $2,000,000. Total of xxxxxx properties is xxxxxx - Due Diligence Vendor-04/11/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 99.13 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.66 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835374 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-11 09:46 | 2025-04-11 09:46 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is non-warrantable | Waived- Client Waived with Compensating Factors. 2 Lender exceptions; HOA condo investor concentration > 60%. Currently 97,56, HOA also doesn't do a budget or reserves for condo documents. - Due Diligence Vendor-04/11/2025 |  | Waived-2 Lender exceptions; HOA condo investor concentration > 60%. Currently 97,56, HOA also doesn't do a budget or reserves for condo documents. - Due Diligence Vendor-04/11/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 99.13 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.66 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835374 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-09 09:24 | 2025-04-11 09:44 | Waived | 2 - Non-Material B | Credit | Income | DSCR is less than the guideline minimum | Waived- Client Waived with Compensating Factors. LOWER THAN THE MINIMUM DSCR 1.0, AND THE CURRENT DSCR IS 0.91. - Due Diligence Vendor-04/09/2025 |  | Waived-LOWER THAN THE MINIMUM DSCR 1.0, AND THE CURRENT DSCR IS 0.91. - Due Diligence Vendor-04/09/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 99.13 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.66 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | None given |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835377 | xxxxxx | B A | Closed | xxxxxx | 2025-04-09 16:34 | 2025-04-11 12:18 | Waived | 2 - Non-Material B | Credit | Income | DSCR is less than the guideline minimum | Waived- Client Waived with Compensating Factors. LOWER THAN THE MINIMUM DSCR 1.0, AND THE CURRENT DSCR IS 0.85. - Due Diligence Vendor-04/09/2025 |  | Waived-LOWER THAN THE MINIMUM DSCR 1.0, AND THE CURRENT DSCR IS 0.85. - Due Diligence Vendor-04/09/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.66 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 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 - Months Reserves Of 103.49 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835377 | xxxxxx | B A | Closed | xxxxxx | 2025-04-09 16:38 | 2025-04-11 12:18 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Characteristics Do Not Meet Guideline Requirements | Waived- Client Waived with Compensating Factors. EXCEEDS THE ALLOWABLE INVESTOR CONCENTRATION OF 60%. CURRENTLY 97.56% INVESTOR CONCENTRATION. - Due Diligence Vendor-04/09/2025 |  | Waived-EXCEEDS THE ALLOWABLE INVESTOR CONCENTRATION OF 60%. CURRENTLY 97.56% INVESTOR CONCENTRATION. - Due Diligence Vendor-04/09/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.66 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 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 - Months Reserves Of 103.49 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835377 | xxxxxx | B A | Closed | xxxxxx | 2025-04-09 16:41 | 2025-04-11 12:18 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing current budget from HOA | Waived- Client Waived with Compensating Factors. HOA DOESN'T DO A BUDGET AND RESERVES FOR CONDO DOCUMENTS. - Due Diligence Vendor-04/09/2025 |  | Waived-HOA DOESN'T DO A BUDGET AND RESERVES FOR CONDO DOCUMENTS. - Due Diligence Vendor-04/09/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.66 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 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 - Months Reserves Of 103.49 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835377 | xxxxxx | B A | Closed | xxxxxx | 2025-04-11 12:15 | 2025-04-11 12:15 | Waived | 2 - Non-Material B | Credit | Eligibility | Number of Mortgaged Properties and/or aggregate loan balance with lender exceeds max allowable. | Waived- Client Waived with Compensating Factors. Please leave a comment verifying the Number of Mortgaged Properties is 11. xxxxxx Aggregate exposure > $2,000,000. Total loan amount for xxxxxx loans is xxxxxx. - Due Diligence Vendor-04/11/2025 |  | Waived-Please leave a comment verifying the Number of Mortgaged Properties is 11. xxxxxx Aggregate exposure > $2,000,000. Total loan amount for xxxxxx loans is xxxxxx. - Due Diligence Vendor-04/11/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.66 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 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 - Months Reserves Of 103.49 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835378 | xxxxxx | B A | Closed | xxxxxx | 2025-04-11 14:42 | 2025-04-11 14:55 | Waived | 2 - Non-Material B | Credit | Eligibility | Number of Mortgaged Properties and/or aggregate loan balance with lender exceeds max allowable. | Waived- Client Waived with Compensating Factors. Please leave a comment verifying the Number of Mortgaged Properties is 11. xxxxxx Aggregate > $2,000,000. Total Aggregate loan amount for xxxxxx properties is xxxxxx. - Due Diligence Vendor-04/11/2025 |  | Waived-Please leave a comment verifying the Number of Mortgaged Properties is 11. xxxxxx Aggregate > $2,000,000. Total Aggregate loan amount for xxxxxx properties is xxxxxx. - Due Diligence Vendor-04/11/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.66 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 102.13 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835378 | xxxxxx | B A | Closed | xxxxxx | 2025-04-11 14:55 | 2025-04-11 14:55 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing current budget from HOA | Waived- Client Waived with Compensating Factors. HOA doesn't do a budget and reserves for condo documents. - Due Diligence Vendor-04/11/2025 |  | Waived-HOA doesn't do a budget and reserves for condo documents. - Due Diligence Vendor-04/11/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.66 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 102.13 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835378 | xxxxxx | B A | Closed | xxxxxx | 2025-04-11 14:53 | 2025-04-11 14:53 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is non-warrantable | Waived- Client Waived with Compensating Factors. Exceeds the allowable investor concentration of 60%. Currently 97.56 investor concentration. - Due Diligence Vendor-04/11/2025 |  | Waived-Exceeds the allowable investor concentration of 60%. Currently 97.56 investor concentration. - Due Diligence Vendor-04/11/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.66 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 102.13 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835378 | xxxxxx | B A | Closed | xxxxxx | 2025-04-11 14:51 | 2025-04-11 14:51 | Waived | 2 - Non-Material B | Credit | Income | DSCR is less than the guideline minimum | Waived- Client Waived with Compensating Factors. Current DSCR of .90 is lower than guideline minimum of 1.0 - Due Diligence Vendor-04/11/2025 |  | Waived-Current DSCR of .90 is lower than guideline minimum of 1.0 - Due Diligence Vendor-04/11/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.66 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 102.13 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835381 | xxxxxx | B A | Closed | xxxxxx | 2025-04-09 18:56 | 2025-04-11 14:15 | Waived | 2 - Non-Material B | Credit | Eligibility | Number of Mortgaged Properties and/or aggregate loan balance with lender exceeds max allowable. | Waived- Client Waived with Compensating Factors. Please leave a comment verifying the Number of Mortgaged Properties is 11. xxxxxx Aggregate > $2,000,000. Total Aggregate loan amount for xxxxxx properties is xxxxxx. - Due Diligence Vendor-04/09/2025 |  | Waived-Please leave a comment verifying the Number of Mortgaged Properties is 11. xxxxxx Aggregate > $2,000,000. Total Aggregate loan amount for xxxxxx properties is xxxxxx. - Due Diligence Vendor-04/09/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 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 103.6 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.67 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835381 | xxxxxx | B A | Closed | xxxxxx | 2025-04-09 18:56 | 2025-04-11 14:14 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing current budget from HOA | Waived- Client Waived with Compensating Factors. HOA DOESN'T DO A BUDGET AND RESERVES FOR CONDO DOCUMENTS. - Due Diligence Vendor-04/09/2025 |  | Waived-HOA DOESN'T DO A BUDGET AND RESERVES FOR CONDO DOCUMENTS. - Due Diligence Vendor-04/09/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 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 103.6 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.67 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835381 | xxxxxx | B A | Closed | xxxxxx | 2025-04-09 18:53 | 2025-04-11 14:11 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Characteristics Do Not Meet Guideline Requirements | Waived- Client Waived with Compensating Factors. EXCEEDS THE ALLOWABLE INVESTOR CONCENTRATION OF 60%. CURRENTLY 97.56% INVESTOR CONCENTRATION - Due Diligence Vendor-04/09/2025 |  | Waived-EXCEEDS THE ALLOWABLE INVESTOR CONCENTRATION OF 60%. CURRENTLY 97.56% INVESTOR CONCENTRATION - Due Diligence Vendor-04/09/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 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 103.6 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.67 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835381 | xxxxxx | B A | Closed | xxxxxx | 2025-04-09 18:52 | 2025-04-11 14:11 | Waived | 2 - Non-Material B | Credit | Income | DSCR is less than the guideline minimum | Waived- Client Waived with Compensating Factors. LOWER THAN THE MINIMUM DSCR 1.0, AND THE CURRENT DSCR IS 0.88 - Due Diligence Vendor-04/09/2025 |  | Waived- LOWER THAN THE MINIMUM DSCR 1.0, AND THE CURRENT DSCR IS 0.88 - Due Diligence Vendor-04/09/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 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 103.6 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.67 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835382 | xxxxxx | B A | Closed | xxxxxx | 2025-04-16 11:01 | 2025-04-17 10:38 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- Client Waived with Compensating Factors. Audited LTV of 75% exceeds Guideline LTV of 60% Exception approval is required for current LTV of 75% which exceeds the max LTV of 60% for no primary residence. - Due Diligence Vendor-04/16/2025 |  | Waived-Audited LTV of 75% exceeds Guideline LTV of 60% Exception approval is required for current LTV of 75% which exceeds the max LTV of 60% for no primary residence. - Due Diligence Vendor-04/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.3 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 751 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | · Borrower exceeds minimum credit score by at least 91 points. <br> · All consumer credit paid as agreed in the most recent 12 months. <br> · DSCR ratio of 1.04.  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835382 | xxxxxx | B A | Closed | xxxxxx | 2025-04-16 11:02 | 2025-04-17 10:37 | Waived | 2 - Non-Material B | Credit | Missing Doc - Credit | Missing Payment History | Waived- Client Waived with Compensating Factors. Exception approval is required for rental cash payment in October 2024 for borrower xxxxxx. Received payment history proof from April 2024 to March 2025. - Due Diligence Vendor-04/16/2025 |  | Waived-Exception approval is required for rental cash payment in October 2024 for borrower xxxxxx. Received payment history proof from April 2024 to March 2025. - Due Diligence Vendor-04/16/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.3 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 751 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | · Borrower exceeds minimum credit score by at least 91 points. <br> · All consumer credit paid as agreed in the most recent 12 months. <br> · DSCR ratio of 1.04. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835385 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 835492 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-21 10:39 | 2025-06-20 13:43 | Resolved | 1 - Information C A | Compliance | State Reg | Prepayment Penalty charged on Business Purpose loan where State Does not permit. | Resolved-Amended PPP agreement sent to borrower showing max PPP of 1% over 5 years in accordance with xxxxxx law. - Due Diligence Vendor-06/20/2025 <br> Ready for Review-Document Uploaded. See LOE and delivery to borrower. - Due Diligence Vendor-06/20/2025 <br> Open-The subject property's state, xxxxxx, does not allow pre-payment penalties for Business Purpose loans. The subject property's state, xxxxxx, does not allow pre-payment penalties for Business Purpose loans that exceed 1% -----<br> Section 1343.011 - xxxxxx Revised Code - Due Diligence Vendor-05/27/2025 |  | Resolved-Amended PPP agreement sent to borrower showing max PPP of 1% over 5 years in accordance with xxxxxx law. - Due Diligence Vendor-06/20/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 746 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 55.79% 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 101.62 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review835492_4203536_xxxxxx_6_20_2025_124738_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 835492 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-27 09:26 | 2025-06-01 18:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Evidence of Business Purpose use of Proceeds | Resolved-Business purpose disclosure provided. - Due Diligence Vendor-06/01/2025 <br>Ready for Review-Document Uploaded. Business Purpose Cert - Due Diligence Vendor-06/01/2025 <br>Open-Business Purpose Disclosure stating how funds will be used or letter from borrower regarding the use of funds is missing. Business Purpose Disclosure is missing. - Due Diligence Vendor-05/27/2025 |  | Resolved-Business purpose disclosure provided. - Due Diligence Vendor-06/01/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 746 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 55.79% 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 101.62 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review835492_4242362_xxxxxx_5_28_2025_34904_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 835492 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-21 13:46 | 2025-05-21 13:46 | Waived | 2 - Non-Material B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived- Client Waived with Compensating Factors. Borrower inherited investment property. Less than one year investor experience - cash-out - Due Diligence Vendor-05/21/2025 |  | Waived-Borrower inherited investment property. Less than one year investor experience - cash-out - Due Diligence Vendor-05/21/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 746 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 55.79% 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 101.62 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Credit Score 30+ points > minimum required |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835507 | xxxxxx | D A | Closed | xxxxxx | 2025-05-15 10:59 | 2025-05-20 08:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-xxxxxx.org provided listing EIN. - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. - Seller-05/16/2025 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing IRS Tax ID Number. - Due Diligence Vendor-05/15/2025 | Ready for Review-Document Uploaded. - Seller-05/16/2025<br>| Resolved-xxxxxx.org provided listing EIN. - Due Diligence Vendor-05/20/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 705.29 Are Greater Than The Guideline Minimum Of 2 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 - 11.08 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.64% 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 791 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | NA | NA | xxxxxx |
| 835507 | xxxxxx | D A | Closed | xxxxxx | 2025-05-15 11:20 | 2025-05-20 08:12 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/20/2025 <br>Ready for Review-Document Uploaded. - Seller-05/16/2025 <br>Open-1008/Underwriting Summary Not Provided Missing 1008/Loan Approval. - Due Diligence Vendor-05/15/2025 | Ready for Review-Document Uploaded. - Seller-05/16/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/20/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 705.29 Are Greater Than The Guideline Minimum Of 2 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 - 11.08 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.64% 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 791 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | NA | NA | xxxxxx |
| 835573 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-07 08:21 | 2025-06-05 18:35 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived- Client Waived with Compensating Factors. Client provided guideline exception allowing for DTI greater than 45%. - Due Diligence Vendor-06/05/2025 <br> Ready for Review-The request for an exception to xxxxxx's eligibility criteria is granted. - Due Diligence Vendor-06/05/2025 <br> Counter-Audited DTI of 51.27% exceeds Guideline DTI of 45%. Income has been recalculated utilizing the secondary bank account for additional income. Income is slightly higher than lender income. The DTI reported by lender was 46.32%. The audited DTI of 51.27% is a result of what is considered the amortized payment. The lender's amortized payment is based on 360 months, however, the loan is an I/O loan so the amortized payment should be based on the remaining term after the I/O term expires which is 240 months. - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. please see Lender certification, additional bank statements, and revised income worksheet from Lender to improve income and DTI. Please review and advise what the final DTI will be. - Due Diligence Vendor-05/28/2025 <br> Open-Audited DTI of 60.77% exceeds Guideline DTI of 45% Difference in DTI is a result of the qualifying note payment. 1008 is showing the initial terms with IO but it should be fully amortized payment over the remaining term after the IO term. - Due Diligence Vendor-05/16/2025 |  | Waived-Client provided guideline exception allowing for DTI greater than 45%. - Due Diligence Vendor-06/05/2025<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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.14 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 - 8.09 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | Compensating Factor 1 - Reserves exceed requirement by 10 months or more;<br> Compensating Factor 2 - Credit Score 30+ points > minimum required; | Full Review835573_4067080_xxxxxx_5_28_2025_110910_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 835573 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-07 08:09 | 2025-05-13 12:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-UDM monitoring provided that goes through the consummation of the loan. - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. Please see Gap Credit Report for your review. - Due Diligence Vendor-05/13/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-05/07/2025 |  | Resolved-UDM monitoring provided that goes through the consummation of the loan. - Due Diligence Vendor-05/13/2025 | 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.14 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 - 8.09 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | Full Review835573_4066964_xxxxxx_5_9_2025_40940_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | NA | NA | xxxxxx |
| 835628 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 835665 | xxxxxx | D A | Closed | xxxxxx | 2025-05-10 00:40 | 2025-05-15 09:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Tax cert provided for xxxxxx - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Document Uploaded. - Buyer-05/13/2025 <br> Open-Tax is Missing for REO Property- xxxxxx <br>- Due Diligence Vendor-05/10/2025 |  | Resolved-Tax cert provided for xxxxxx - Due Diligence Vendor-05/15/2025 | 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>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 64.82 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 747 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 23.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | NA | NA | xxxxxx |
| 835666 | xxxxxx | D A | Closed | xxxxxx | 2025-05-09 09:23 | 2025-05-14 11:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Property Documents provided. - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. - Buyer-05/12/2025 <br> Open-Missing tax or insurance or HOA documents are missing for xxxxxx and<br>xxxxxx For these two properties mortgage document is missing. - Due Diligence Vendor-05/09/2025 |  | Resolved-Property Documents provided. - Due Diligence Vendor-05/14/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 91.56 Are Greater Than The Guideline Minimum Of 12 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 0.04<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.06% 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 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 747 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxxxxx - docs.pdf<br> xxxxxx docs.pdf<br> xxxxxx docs.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 835800 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 835971 | xxxxxx | C B A | Closed | xxxxxx | 2025-05-06 11:35 | 2025-06-11 11:18 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived- Client Waived with Compensating Factors. Document Uploaded. Client provided guideline exception and comp factors. - Due Diligence Vendor-06/11/2025 <br> Ready for Review-The request for an exception to xxxxxx's eligibility criteria is granted. - Due Diligence Vendor-06/11/2025 <br> Open-Minimum borrower contribution is 5% or $10,000 on this transaction. Funds to close of $9,900 are all from the borrower and there was a $100 EMD that was made upon the contract. Title acknowledges receipt of the EMD on xxxxxx with a personal check (either xxxxxx) but it does not state that it was the borrower's personal check nor is there verification in the borrower's xxxxxx account that the $100 came from here. Need proof that the $100 was from the borrower in order to count this towards the 5% minimum contribution. - Due Diligence Vendor-05/06/2025 |  | Waived-Document Uploaded. Client provided guideline exception and comp factors. - Due Diligence Vendor-06/11/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 77% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.60 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.23% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More | Compensating Factor 1 - Credit Score 30+ points > minimum required;<br> Compensating Factor 2 - DTI <= 36% which is below requirement in guidelines;<br> Compensating Factor 3 - Reserves exceed requirement by 6 months or more | Full Review835971_4057105_xxxxxx_6_10_2025_102044_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 835975 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-01 11:52 | 2025-05-08 12:10 | Resolved | 1 - Information D A | Property | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-05/08/2025 <br>Ready for Review-Document Uploaded. Please find the HOA Questionnaire uploaded for review - Due Diligence Vendor-05/08/2025 <br>Open-HOA Questionnaire Document status is Missing. - Due Diligence Vendor-05/01/2025 |  | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-05/08/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 98.02 Are Greater Than The Guideline Minimum Of 2 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 - 7.66 Years |  | Full Review835975_4016226_xxxxxx_5_8_2025_101823_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 835975 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-01 11:51 | 2025-05-01 11:51 | Waived | 2 - Non-Material B | Credit | Income | DSCR is less than the guideline minimum | Waived- Client Waived with Compensating Factors. DSCR of 1.05 does not meet guideline minimum of 1.25 (loan amount <150k) - Due Diligence Vendor-05/01/2025 |  | Waived-DSCR of 1.05 does not meet guideline minimum of 1.25 (loan amount <150k) - Due Diligence Vendor-05/01/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 98.02 Are Greater Than The Guideline Minimum Of 2 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 - 7.66 Years | Experienced Investor owns and manages 2 or more properties for 12 months Reserves exceed requirement by 10 months or more |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 836040 | xxxxxx | B A | Closed | xxxxxx | 2025-05-23 06:54 | 2025-05-23 06:54 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived- Client Waived with Compensating Factors. Housing History Does Not Meet Guideline Requirements Exception: 1) Mtg for 1st is not reporting on credit since it was included in xxxxxx - Due Diligence Vendor-05/23/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements Exception: 1) Mtg for 1st is not reporting on credit since it was included in xxxxxx - Due Diligence Vendor-05/23/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.45% 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 12.23 Are Greater Than The Guideline Minimum Of 0 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 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 - 6.12 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 0.23 | \* Credit Score 20 points > minimum required<br> \* LTV/CLTV 10% or more below the maximum allowed under applicable guidelines |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 836120 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836158 | xxxxxx | C A | Closed | xxxxxx | 2025-05-08 18:02 | 2025-05-15 07:27 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Locked LE received, data entered, no additional compliance findings. - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Document Uploaded. - Seller-05/14/2025 <br> Counter-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. Rate dependent charge changes subject to 0% tolerance total $557.00. - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. - Seller-05/12/2025 <br> Open-\*\*\* The Rate Lock information in the file indicate the rate was locked on xxxxxx. The original file does not contain a revised LE issued within 3 business days from the rate lock date. - Due Diligence Vendor-05/09/2025 <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-05/08/2025 | Ready for Review-Document Uploaded. - Seller-05/14/2025 <br>Ready for Review-Document Uploaded. - Seller-05/12/2025<br>| Resolved-Locked LE received, data entered, no additional compliance findings. - Due Diligence Vendor-05/15/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 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 - 16.40 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 61.41% 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 46.07 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 13.6% 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 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 723 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxxxxx - Final CD.pdf<br> COC LE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 836158 | xxxxxx | C A | Closed | xxxxxx | 2025-05-08 18:02 | 2025-05-15 07:27 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Locked LE received, data entered, no additional compliance findings. - Due Diligence Vendor-05/15/2025 <br> Counter-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. Rate dependent charge changes subject to 0% tolerance total $557.00. - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. - Seller-05/12/2025 <br> Open-\*\*\* The Rate Lock information in the file indicate the rate was locked on xxxxxx. The original file does not contain a revised LE issued within 3 business days from the rate lock date. - Due Diligence Vendor-05/09/2025 <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-05/08/2025 | Ready for Review-Document Uploaded. - Seller-05/12/2025<br>| Resolved-Locked LE received, data entered, no additional compliance findings. - Due Diligence Vendor-05/15/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 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 - 16.40 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 61.41% 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 46.07 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 13.6% 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 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 723 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxxxxx - Final CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 836158 | xxxxxx | C A | Closed | xxxxxx | 2025-05-08 18:02 | 2025-05-15 07:27 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Locked LE received, data entered, no additional compliance findings. - Due Diligence Vendor-05/15/2025 <br> Counter-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. Rate dependent charge changes subject to 0% tolerance total $557.00. - Due Diligence Vendor-05/13/2025 <br> Open-\*\*\* The Rate Lock information in the file indicate the rate was locked on xxxxxx. The original file does not contain a revised LE issued within 3 business days from the rate lock date. - Due Diligence Vendor-05/09/2025 <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 $557.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-05/08/2025 |  | Resolved-Locked LE received, data entered, no additional compliance findings. - Due Diligence Vendor-05/15/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 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 - 16.40 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 61.41% 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 46.07 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 13.6% 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 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 723 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 836158 | xxxxxx | C A | Closed | xxxxxx | 2025-05-09 18:39 | 2025-05-15 07:27 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date and Changed Circumstances Date Test | Resolved-Locked LE received, data entered, no additional compliance findings. - Due Diligence Vendor-05/15/2025 <br> Counter-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. Rate dependent charge changes subject to 0% tolerance total $557.00. - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. - Seller-05/12/2025 <br> Open-This loan failed the initial closing disclosure delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 , and 12 CFR §1026.19(e)(4)(i))The initial closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure).This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneIf a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...However, if a creditor uses a revised estimate pursuant to § 1026.19(e)(3)(iv) for the purpose of determining good faith under § 1026.19(e)(3)(i) and (ii), § 1026.19(e)(4)(i) permits the creditor to provide the revised estimate in the disclosures required under § 1026.19(f)(1)(i) (including any corrected disclosures provided under § 1026.19(f)(2)(i) or (ii)). \*\*\* The Rate Lock information in the file indicate the rate was locked on xxxxxx. The original file does not contain a revised LE issued within 3 business days from the rate lock date. - Due Diligence Vendor-05/09/2025 | Ready for Review-Document Uploaded. - Seller-05/12/2025<br>| Resolved-Locked LE received, data entered, no additional compliance findings. - Due Diligence Vendor-05/15/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 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 - 16.40 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 61.41% 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 46.07 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 13.6% 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 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 723 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxxxxx- LE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 836170 | xxxxxx | D A | Closed | xxxxxx | 2025-05-28 19:58 | 2025-06-02 12:12 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 YTD Profit & Loss Missing | Resolved-Borrower 1 YTD Profit & Loss Resolved - Due Diligence Vendor-06/02/2025 <br> Ready for Review-Document Uploaded. - Buyer-05/29/2025 <br> Open-Borrower 1 YTD Profit & Loss Missing Provide the signed and dated 2025 year-to-date profit and loss statement. - Due Diligence Vendor-05/29/2025 <br> Open-Borrower 1 YTD Profit & Loss Missing Provide the year-to-date 2025 Profit and Loss for xxxxxx. - Due Diligence Vendor-05/28/2025 |  | Resolved-Borrower 1 YTD Profit & Loss Resolved - Due Diligence Vendor-06/02/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.18 Are Greater Than The Guideline Minimum Of 3 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 - 12.83 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 - 8.14 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 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.42% 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 79.9% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |  | xxxxxx YTD P&L.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | NA | NA | xxxxxx |
| 836170 | xxxxxx | D A | Closed | xxxxxx | 2025-05-29 09:49 | 2025-06-02 12:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOI Policy provided for xxxxxx - Due Diligence Vendor-06/02/2025 <br> Ready for Review-Document Uploaded. HOI. - Buyer-05/29/2025 <br> Open-Provide the homeowner's insurance policy with premium amount for, xxxxxx. - Due Diligence Vendor-05/29/2025 |  | Resolved-HOI Policy provided for xxxxxx - Due Diligence Vendor-06/02/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.18 Are Greater Than The Guideline Minimum Of 3 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 - 12.83 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 - 8.14 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 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.42% 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 79.9% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |  | xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | NA | NA | xxxxxx |
| 836270 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836313 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 836326 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836331 | xxxxxx | B A | Closed | xxxxxx | 2025-05-17 06:53 | 2025-05-23 15:06 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008 provided - Due Diligence Vendor-05/23/2025 <br>Ready for Review-Document Uploaded. Please see attached 1008. - Due Diligence Vendor-05/23/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-05/17/2025 |  | Resolved-1008 provided - Due Diligence Vendor-05/23/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.4 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 744 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review836331_4171790_xxxxxx_5_23_2025_13052_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 836336 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836359 | xxxxxx | B A | Closed | xxxxxx | 2025-05-20 17:46 | 2025-05-20 17:46 | Waived | 2 - Non-Material B | Credit | Assets | Asset General | Waived- Client Waived with Compensating Factors. Assets not in the LLC to be vested. - Due Diligence Vendor-05/20/2025 |  | Waived-Assets not in the LLC to be vested. - Due Diligence Vendor-05/20/2025<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.8 Are Greater Than The Guideline Minimum Of 2 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 - 20.5 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | Credit Score 30+ points > minimum required<br> 0x30 for 48 months on all mortgages |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 836375 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 836421 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 836433 | xxxxxx | B A | Closed | xxxxxx | 2025-05-29 15:14 | 2025-06-02 00:31 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-06/02/2025 <br>Ready for Review-Document Uploaded. Affiliated LOE - Due Diligence Vendor-06/02/2025 <br>Open-Required Affiliated Business Disclosure Missing \*\*Lender to provide a copy of the Affiliated Business Disclosure and evidence the borrower received within 3 business days of the application date. All affiliated Business Arrangements must be disclosed to the buyer in connection to settlement services. The lender can provide an attestation that it has no affiliates or that their affiliates do not provide settlement services if applicable. - Due Diligence Vendor-05/29/2025 |  | Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-06/02/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40.68% Is Below The Guideline Maximum Of 65% 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 - 22.83 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.81 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | Full Review836433_4274237_xxxxxx_5_30_2025_20826_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 836447 | xxxxxx | D A | Closed | xxxxxx | 2025-05-28 07:41 | 2025-06-27 10:36 | Resolved | 1 - Information D A | Compliance | Missing Doc - State Disclosure | Attorney Preference Letter missing or unexecuted | Resolved-Documentation provided confirms no party at consummation was a representing attorney. xxxxxx. - Due Diligence Vendor-06/27/2025 <br> Ready for Review-Document Uploaded. - Seller-06/26/2025 <br> Counter-Document Uploaded. Please see example of document required under Under 3 xxxxxx ADC 38.7(a) (11). - Due Diligence Vendor-06/19/2025 <br> Ready for Review-The "xxxxxx Right To Choose Attorney or Attorney Preference" is not a required form and Encompass does not provide it. - Seller-06/18/2025 <br> Open-Right To Choose Attorney or Attorney Preference Not In File \*\*\*\*\*\*\* Please provide entire initial disclosure package for review - Due Diligence Vendor-05/28/2025 | Ready for Review-Document Uploaded. - Seller-06/26/2025 <br> Ready for Review-The "xxxxxx Right To Choose Attorney or Attorney Preference" is not a required form and Encompass does not provide it. - Seller-06/18/2025 | Resolved-Documentation provided confirms no party at consummation was a representing attorney. xxxxxx. - Due Diligence Vendor-06/27/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 27.96 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 - 32.50 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.54 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 - 8.41 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.69% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | xxxxxx_notice_of_right_to_select_own_attorney - sample form.pdf<br> LOE re Atty Disclosure.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | NA | NA | xxxxxx |
| 836447 | xxxxxx | D A | Closed | xxxxxx | 2025-05-20 08:02 | 2025-06-16 13:13 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Audited FICO of 653 is greater than or equal to Guideline FICO of 640 - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. - Seller-06/13/2025 <br> Counter-Which xxxxxx Program was used? The Lock provided does not provide that information. - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. - Seller-06/06/2025 <br> Counter-Please provide Investor Rate Lock confirming the exact Loan program - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. - Seller-06/02/2025 <br> Open-Audited FICO of 653 is less than Guideline FICO of 680 FICO is 27 points below the minimum required. - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. - Seller-06/13/2025 <br>Ready for Review-Document Uploaded. - Seller-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/02/2025<br>| Resolved-Audited FICO of 653 is greater than or equal to Guideline FICO of 640 - Due Diligence Vendor-06/16/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 27.96 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 - 32.50 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.54 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 - 8.41 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.69% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | FICO LETTER.pdf<br> Lock form 5_1_2025 12_46_59 PM.pdf<br> program.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | NA | NA | xxxxxx |
| 836447 | xxxxxx | D A | Closed | xxxxxx | 2025-05-27 19:08 | 2025-06-03 17:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved-VVOE provided. - Due Diligence Vendor-06/03/2025 <br>Ready for Review-Document Uploaded. - Seller-06/02/2025 <br>Open-Per approval SOS showing company active status dated within 10 days of closing must be uploaded. The document is over 30 days old. - Due Diligence Vendor-05/27/2025 | Ready for Review-Document Uploaded. - Seller-06/02/2025<br>| Resolved-VVOE provided. - Due Diligence Vendor-06/03/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 27.96 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 - 32.50 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.54 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 - 8.41 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.69% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | SOS - within 10 Days.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | NA | NA | xxxxxx |
| 836447 | xxxxxx | D A | Closed | xxxxxx | 2025-05-20 08:00 | 2025-06-03 17:47 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. - Seller-06/02/2025 <br> Open-Borrower 1 CPA Letter Missing CPA Letter Missing with ownership percentage is 49.50% for xxxxxx. - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. - Seller-06/02/2025<br>| Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-06/03/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 27.96 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 - 32.50 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.54 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 - 8.41 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.69% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | RE CPA LETTER.pdf<br>Operating agreement.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | NA | NA | xxxxxx |
| 836447 | xxxxxx | D A | Closed | xxxxxx | 2025-05-21 18:10 | 2025-06-03 09:34 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. - Seller-06/02/2025 <br> Open-Homeownership Counseling Disclosure Is Missing. \*\*\*\*\*\*\* Please provide entire initial disclosure package for review - Due Diligence Vendor-05/21/2025 | Ready for Review-Document Uploaded. - Seller-06/02/2025<br>| Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-06/03/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 27.96 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 - 32.50 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.54 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 - 8.41 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.69% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | Acknowledgement of Receipt of RESPA's Homeownership Counseling Organization List.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | NA | NA | xxxxxx |
| 836560 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836573 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 836628 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 836647 | xxxxxx | D A | Closed | xxxxxx | 2025-07-01 12:39 | 2025-07-01 16:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Correct income worksheet provided for borrower and shows the correct income calculations. - Due Diligence Vendor-07/01/2025 <br> Ready for Review-Document Uploaded. See attached income calc for xxxxxx, Maximum impact - Due Diligence Vendor-07/01/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary Bank statement calculator in file is not for our borrower or borrower's business. Calculator is for xxxxxx with occupation xxxxxx but our borrower is xxxxxx with occupation Maximum Enterprises. - Due Diligence Vendor-07/01/2025 |  | Resolved-Correct income worksheet provided for borrower and shows the correct income calculations. - Due Diligence Vendor-07/01/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9.81% 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 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 0.14<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | Full Review836647_4618089_xxxxxx_7_1_2025_15527_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | NA | NA | xxxxxx |
| 836657 | xxxxxx | C A | Closed | xxxxxx | 2025-05-23 16:43 | 2025-06-03 09:26 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. ICD - Buyer-06/02/2025 <br> Counter-The Disclosure Tracking Summary document is a copy of the same that was provided with the original file, this document does not resolve the finding. Lender needs to provide a copy of the Initial CD. - Due Diligence Vendor-05/28/2025 <br> Ready for Review-Document Uploaded. See disclosure tracking. Are you wanting a copy of the ICD that was sent? xxxxxx. - Buyer-05/27/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. No CD disclosed at least 3 days prior to consummation found in the file - Due Diligence Vendor-05/23/2025 |  | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-06/03/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Webster disclosure tracking.pdf<br>webster ICD signed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | NA | NA | xxxxxx |
| 836692 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836693 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 836737 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 836738 | xxxxxx | B A | Closed | xxxxxx | 2025-05-29 15:05 | 2025-06-05 17:50 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-06/05/2025 <br>Ready for Review-Document Uploaded. See attached escrow disclosure stmt - Due Diligence Vendor-06/05/2025 <br>Open-Initial Escrow Account Disclosure is Missing - Due Diligence Vendor-05/29/2025 |  | Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-06/05/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.72% Is Less Than The Guideline Maximum Of 45% 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 - 15 Years |  | Full Review836738_4274096_xxxxxx_6_3_2025_122757_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | NA | NA | xxxxxx |
| 836756 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 836762 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 836780 | xxxxxx | C A B | Closed | xxxxxx | 2025-05-03 10:35 | 2025-05-08 00:38 | Resolved | 1 - Information C A | Compliance | Points & Fees | xxxxxx AB 260 Higher-Priced Mortgage Loan Test | Resolved-Documentation provided shows appraisal sent on xxxxxx and loan closed on xxxxxx - Due Diligence Vendor-05/08/2025 <br> Ready for Review-Document Uploaded. ECOA is in the file - Due Diligence Vendor-05/08/2025 <br> Open-\*\*unable to determine if loan is HPML Compliant; lender to provide supporting documentation evidencing that borrower received the appraisal at least 3 business days prior to closing. - Due Diligence Vendor-05/06/2025 <br> Open-This loan failed the xxxxxx AB 260 higher-priced mortgage loan test. (xxxxxx AB 260, xxxxxx Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the xxxxxx Financial Code.While the xxxxxx Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-05/03/2025 |  | Resolved-Documentation provided shows appraisal sent on xxxxxx and loan closed on xxxxxx - Due Diligence Vendor-05/08/2025 | 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 - 15.16 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.65% 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 32.22 Are Greater Than The Guideline Minimum Of 0 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 - 5.08 Years |  | Full Review836780_4036372_xxxxxx_5_7_2025_55129_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 836780 | xxxxxx | C A B | Closed | xxxxxx | 2025-05-03 10:35 | 2025-05-08 00:38 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Documentation provided shows appraisal sent on xxxxxx and loan closed on xxxxxx - Due Diligence Vendor-05/08/2025 <br> Ready for Review-Document Uploaded. ECOA is in the file - Due Diligence Vendor-05/08/2025 <br> Open-\*\*unable to determine if loan is HPML Compliant; lender to provide supporting documentation evidencing that borrower received the appraisal at least 3 business days prior to closing. - Due Diligence Vendor-05/06/2025 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-05/03/2025 |  | Resolved-Documentation provided shows appraisal sent on xxxxxx and loan closed on xxxxxx - Due Diligence Vendor-05/08/2025 | 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 - 15.16 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.65% 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 32.22 Are Greater Than The Guideline Minimum Of 0 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 - 5.08 Years |  | Full Review836780_4036372_xxxxxx_5_7_2025_55129_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 836780 | xxxxxx | C A B | Closed | xxxxxx | 2025-05-06 10:48 | 2025-05-08 00:35 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/08/2025 <br>Ready for Review-Document Uploaded. 1008 is in the file - Due Diligence Vendor-05/08/2025 <br>Open-1008/Underwriting Summary Not Provided Missing 1008. - Due Diligence Vendor-05/06/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/08/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.16 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.65% 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 32.22 Are Greater Than The Guideline Minimum Of 0 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 - 5.08 Years |  | Full Review836780_4056060_xxxxxx_5_7_2025_55104_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 836785 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 836814 | xxxxxx | D A | Closed | xxxxxx | 2025-05-30 14:24 | 2025-06-03 08:17 | Resolved | 1 - Information D A | Compliance | Missing Doc - ROR | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. - Buyer-06/02/2025 <br> Open-Right of Rescission is Missing \*\*\*\* The Notice of Right to Cancel, executed by xxxxxx, has not been provided. - Due Diligence Vendor-06/02/2025 |  | Resolved-Right of Rescission is Provided - Due Diligence Vendor-06/03/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 28 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.53 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 0.14<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.13% 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 787 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 21.52 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.04% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More |  | NRTC drowns delfino.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 836827 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836830 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 836883 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836893 | xxxxxx | D A B | Closed | xxxxxx | 2025-05-15 15:08 | 2025-06-01 19:00 | Resolved | 1 - Information D A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/01/2025 <br>Ready for Review-Document Uploaded. Please see the provided Lock Confirmation - Due Diligence Vendor-06/01/2025 <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-05/15/2025 |  | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/01/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 107.23 Are Greater Than The Guideline Minimum Of 2 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 - 9 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 811 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review836893_4154862_xxxxxx_5_29_2025_85218_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 836893 | xxxxxx | D A B | Closed | xxxxxx | 2025-05-15 15:08 | 2025-06-01 19:00 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-06/01/2025 <br>Ready for Review-Document Uploaded. IEAD UPLOADED - Due Diligence Vendor-06/01/2025 <br>Open-Initial Escrow Account Disclosure is Missing - Due Diligence Vendor-05/15/2025 |  | Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-06/01/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 107.23 Are Greater Than The Guideline Minimum Of 2 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 - 9 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 811 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review836893_4154863_xxxxxx_5_29_2025_85135_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 836893 | xxxxxx | D A B | Closed | xxxxxx | 2025-05-15 14:33 | 2025-05-22 11:21 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/22/2025 <br>Ready for Review-Document Uploaded. Please see the Approval - Due Diligence Vendor-05/22/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-05/15/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/22/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 107.23 Are Greater Than The Guideline Minimum Of 2 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 - 9 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 811 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review836893_4154342_xxxxxx_5_22_2025_110130_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 836894 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 836910 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 836989 | xxxxxx | D A | Closed | xxxxxx | 2025-06-03 17:35 | 2025-06-05 18:00 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Note and CD provided for REO property. No issues found with amounts used for qualigying. - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. NOTE and Final CD - Due Diligence Vendor-06/05/2025 <br> Open-Mortgage statement is missing for xxxxxx. - Due Diligence Vendor-06/03/2025 |  | Resolved-Note and CD provided for REO property. No issues found with amounts used for qualigying. - Due Diligence Vendor-06/05/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.96 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 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<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 - 9.28 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.19% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | Full Review836989_4324384_xxxxxx_6_4_2025_10337_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 837005 | xxxxxx | D A C | Closed | xxxxxx | 2025-05-20 17:10 | 2025-06-02 16:05 | Resolved | 1 - Information C A | Compliance | Closing Package | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-06/01/2025 <br>Ready for Review-Document Uploaded. Final 1003 - Due Diligence Vendor-06/01/2025 <br>Open-The Final 1003 is Not Executed Borrower Signature Missing On Document - Due Diligence Vendor-05/20/2025 |  | Resolved-The Final 1003 is Executed - Due Diligence Vendor-06/01/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.58 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 - 6.33 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 |  | Full Review837005_4197741_xxxxxx_5_28_2025_12316_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | NA | NA | xxxxxx |
| 837005 | xxxxxx | D A C | Closed | xxxxxx | 2025-05-23 14:02 | 2025-06-01 18:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Income worksheets provided. - Due Diligence Vendor-06/01/2025 <br>Ready for Review-Document Uploaded. Income worksheet - Due Diligence Vendor-06/01/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary Bank Statement Summary is missing from loan file. - Due Diligence Vendor-05/23/2025 |  | Resolved-Income worksheets provided. - Due Diligence Vendor-06/01/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.58 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 - 6.33 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 |  | Full Review837005_4231266_xxxxxx_5_28_2025_12357_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | NA | NA | xxxxxx |
| 837107 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 837111 | xxxxxx | D A | Closed | xxxxxx | 2025-06-16 18:36 | 2025-06-23 15:02 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/23/2025 <br>Ready for Review-Document Uploaded. A verbal VVOE is not required on a bank statement program. The bank statements are proof of employments. - Due Diligence Vendor-06/23/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-06/16/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/23/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.38% 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 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44 Are Greater Than The Guideline Minimum Of 12 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 - 15.25 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 - 15.44 Years |  | Full Review837111_4465189_xxxxxx_6_20_2025_120834_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | NA | NA | xxxxxx |
| 837111 | xxxxxx | D A | Closed | xxxxxx | 2025-06-16 18:36 | 2025-06-23 15:02 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Missing - Due Diligence Vendor-06/23/2025 <br>Ready for Review-Document Uploaded. See attached - Due Diligence Vendor-06/23/2025 <br>Open-Borrower 1 CPA Letter Missing - Due Diligence Vendor-06/16/2025 |  | Resolved-Borrower 1 CPA Letter Missing - Due Diligence Vendor-06/23/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.38% 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 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44 Are Greater Than The Guideline Minimum Of 12 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 - 15.25 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 - 15.44 Years |  | Full Review837111_4465190_xxxxxx_6_20_2025_120229_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | NA | NA | xxxxxx |
| 837111 | xxxxxx | D A | Closed | xxxxxx | 2025-06-16 18:37 | 2025-06-23 14:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap credit report provided showing no issues with new debts. - Due Diligence Vendor-06/23/2025 <br>Ready for Review-Document Uploaded. Gap report - Due Diligence Vendor-06/23/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-06/16/2025 |  | Resolved-Gap credit report provided showing no issues with new debts. - Due Diligence Vendor-06/23/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.38% 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 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44 Are Greater Than The Guideline Minimum Of 12 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 - 15.25 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 - 15.44 Years |  | Full Review837111_4465202_xxxxxx_6_20_2025_120504_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | NA | NA | xxxxxx |
| 837111 | xxxxxx | D A | Closed | xxxxxx | 2025-06-12 18:27 | 2025-06-23 14:56 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Supplement provided showing payment for property at xxxxxx and loan is an FHA loan so escrows are included. - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. Credit Supplement - Due Diligence Vendor-06/23/2025 <br> Open-xxxxxx Mortgage Statement is missing - Due Diligence Vendor-06/12/2025 |  | Resolved-Supplement provided showing payment for property at xxxxxx and loan is an FHA loan so escrows are included. - Due Diligence Vendor-06/23/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.38% 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 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44 Are Greater Than The Guideline Minimum Of 12 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 - 15.25 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 - 15.44 Years |  | Full Review837111_4433188_xxxxxx_6_20_2025_120612_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | NA | NA | xxxxxx |
| 837175 | xxxxxx | C A | Closed | xxxxxx | 2025-05-27 10:38 | 2025-05-29 08:18 | Resolved | 1 - Information C A | Credit | Borrower | Borrower Identification Documentation Partially Provided | Resolved-Certificate of Naturalization provide. Borrower is a xxxxxx Citizen. - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. xxxxxx Citizen Certificate of Naturalization uploaded - Seller-05/27/2025 <br> Open-Borrower stated xxxxxx Citizen on Final 1003, however the identification provided was a patriot act form with a xxxxxx Drivers License and a xxxxxx Passport. No explanation provided. Per LOE in file, borrower is obtaining Non-QM loan due to not qualifying for traditional financing. - Due Diligence Vendor-05/27/2025 | Ready for Review-Document Uploaded. xxxxxx Citizen Certificate of Naturalization uploaded - Seller-05/27/2025 | Resolved-Certificate of Naturalization provide. Borrower is a xxxxxx Citizen. - Due Diligence Vendor-05/29/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.88% 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 10.66 Are Greater Than The Guideline Minimum Of 0 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 - 22 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 - 9.12 Years |  | IDENTIFICATION.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 837278 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 837289 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 837292 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 837383 | xxxxxx | B A | Closed | xxxxxx | 2025-05-21 08:11 | 2025-05-26 19:58 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived- Client Waived with Compensating Factors. Loan amount < $150,000 with a DSCR less than 1.25. - Due Diligence Vendor-05/21/2025 |  | Waived-Loan amount < $150,000 with a DSCR less than 1.25. - Due Diligence Vendor-05/21/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.02 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | \* Experienced investor owns and manages 10 or more properties for 12 months.<br> \* Current primary home ownership > 10 years. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 837391 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 837396 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 837399 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 837419 | xxxxxx | D A | Closed | xxxxxx | 2025-06-06 10:36 | 2025-06-11 11:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Final CD and separate HOA docs provided match the monthly amount used at qualification for the primary residence. - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. See attached docs - Due Diligence Vendor-06/11/2025 <br> Open-Borrower primary residence is new loan with xxxxxx Funding. Missing copy of note, settlement statement, tax cert and hazard for the property. - Due Diligence Vendor-06/06/2025 |  | Resolved-Final CD and separate HOA docs provided match the monthly amount used at qualification for the primary residence. - Due Diligence Vendor-06/11/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.39 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.39 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 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.93% 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 129.24 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review837419_4360243_xxxxxx_6_10_2025_50110_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 837488 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-17 08:16 | 2025-06-23 14:44 | Resolved | 1 - Information D A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-VOR provided showing satisfactory last 12 months of history. - Due Diligence Vendor-06/23/2025 <br>Ready for Review-Document Uploaded. Please see attached VOR. - Due Diligence Vendor-06/23/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Guidelines require that "Borrowers who are currently renting a residence, a most recent 12-month rental history is required <br> reflecting paid as agreed." A VOR is required, but not located in the image file provided. - Due Diligence Vendor-06/17/2025 |  | Resolved-VOR provided showing satisfactory last 12 months of history. - Due Diligence Vendor-06/23/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 190.18 Are Greater Than The Guideline Minimum Of 3 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 |  | Full Review837488_4468955_xxxxxx_6_20_2025_11011_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | NA | NA | xxxxxx |
| 837488 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-17 08:27 | 2025-06-17 08:27 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived- Client Waived with Compensating Factors. Audited FICO of 668 is less than Guideline FICO of 680 Credit score of 668 does not meet guideline minimum of 680 - Due Diligence Vendor-06/17/2025 |  | Waived-Audited FICO of 668 is less than Guideline FICO of 680 Credit score of 668 does not meet guideline minimum of 680 - Due Diligence Vendor-06/17/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 190.18 Are Greater Than The Guideline Minimum Of 3 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 | Reserves exceed requirement by 10 months or more |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 837504 | xxxxxx | B A | Closed | xxxxxx | 2025-06-16 08:16 | 2025-06-16 08:16 | Waived | 2 - Non-Material B | Credit | Title | Property Title Issue | Waived- Client Waived with Compensating Factors. Borrower in title less than 6 months. - Due Diligence Vendor-06/16/2025 |  | Waived-Borrower in title less than 6 months. - Due Diligence Vendor-06/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.9 Are Greater Than The Guideline Minimum Of 3 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 - 16 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.76% Is Less Than The Guideline Maximum Of 50% 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 - 35.21 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 - 35.21 Years | \* Residual income more than 2x the amount required by guidelines.<br> \* Current primary home ownership > 10 years.<br> \* Employed in same profession > 10 years. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 837510 | xxxxxx | B A | Closed | xxxxxx | 2025-05-17 03:44 | 2025-05-17 03:44 | Waived | 2 - Non-Material B | Credit | Income | DSCR is less than the guideline minimum | Waived- Client Waived with Compensating Factors. Allow a DSCR < 1.25 with a loan amount < $150,000 - Due Diligence Vendor-05/17/2025 |  | Waived-Allow a DSCR < 1.25 with a loan amount < $150,000 - Due Diligence Vendor-05/17/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.3 Are Greater Than The Guideline Minimum Of 2 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 - 18 Years | \* Experienced investor owns and manages 10 or more properties for 12 months <br> \* Current primary home ownership > 10 years |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 837528 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 837538 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 837565 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 837580 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 837584 | xxxxxx | D A | Closed | xxxxxx | 2025-06-18 07:02 | 2025-06-23 16:34 | Resolved | 1 - Information D A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008 provided. - Due Diligence Vendor-06/23/2025 <br>Ready for Review-Document Uploaded. Please see attached 1008. - Due Diligence Vendor-06/23/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-06/18/2025 |  | Resolved-1008 provided. - Due Diligence Vendor-06/23/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.67 Are Greater Than The Guideline Minimum Of 3 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 - 7.45 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.92% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More |  | Full Review837584_4483185_xxxxxx_6_20_2025_62027_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | NA | NA | xxxxxx |
| 837587 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 837594 | xxxxxx | D A | Closed | xxxxxx | 2025-05-27 21:02 | 2025-05-29 15:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-All entity docs provided for xxxxxx. - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. Please see attached. The operating agreement, certificate of good standing and all LLC docs were provided for both xxxxxx and xxxxxx. Please re-review. - Due Diligence Vendor-05/29/2025 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN File is missing EIN number fo rxxxxxx - Due Diligence Vendor-05/28/2025 |  | Resolved-All entity docs provided for xxxxxx. - Due Diligence Vendor-05/29/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 770 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.41% 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 - 12.41 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.77 Are Greater Than The Guideline Minimum Of 0 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 - 6.51 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 |  | Full Review837594_4251414_949 xxxxxx_5_28_2025_10704_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 837597 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 837607 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 837608 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 837628 | xxxxxx | D A C | Closed | xxxxxx | 2025-06-15 13:18 | 2025-06-23 14:49 | Resolved | 1 - Information C A | Property | Appraisal | The appraiser was not licensed (Primary Value) | 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-06/23/2025 <br> Ready for Review-Document Uploaded. See attached LOE and license - Due Diligence Vendor-06/23/2025 <br> Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date Appraisal dated xxxxxx, appraiser's license effective date per xxxxxx.gov wasn't until xxxxxx for the state of xxxxxx - Due Diligence Vendor-06/15/2025 |  | 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-06/23/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.4% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60.61% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 808 is Greater Than The Guideline Minimum Of 720 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 0.0<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.67 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Full Review837628_4452027_xxxxxx_6_20_2025_121833_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | NA | NA | xxxxxx |
| 837628 | xxxxxx | D A C | Closed | xxxxxx | 2025-06-15 13:25 | 2025-06-23 14:46 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-06/23/2025 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than the greater of the Subject Lien or replacement cost value and Replacement Cost Estimator by Insurer was not Provided - Due Diligence Vendor-06/15/2025 |  | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-06/23/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.4% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60.61% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 808 is Greater Than The Guideline Minimum Of 720 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 0.0<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.67 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | NA | NA | xxxxxx |
| 837628 | xxxxxx | D A C | Closed | xxxxxx | 2025-06-15 13:39 | 2025-06-18 13:53 | Resolved | 1 - Information D A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-VOR provided showing tenant not late in the last 12 months. - Due Diligence Vendor-06/18/2025 <br>Ready for Review-Document Uploaded. VOR and proof of rent payment - Due Diligence Vendor-06/18/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Per guideline: Borrowers who are currently renting a residence, a most recent 12-month rental history is<br> required reflecting paid as agreed.<br> - Due Diligence Vendor-06/15/2025 |  | Resolved-VOR provided showing tenant not late in the last 12 months. - Due Diligence Vendor-06/18/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.4% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60.61% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 808 is Greater Than The Guideline Minimum Of 720 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 0.0<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.67 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Full Review837628_4452087_xxxxxx_6_18_2025_120859_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | NA | NA | xxxxxx |
| 837675 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 837682 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 837700 | xxxxxx | C B A | Closed | xxxxxx | 2025-04-23 10:17 | 2025-07-09 22:08 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived- Client Waived with Compensating Factors. Audited FICO of 618 is less than Guideline FICO of 640 Exception approved for FICO of 618, guidelines require 640. - Due Diligence Vendor-04/23/2025 |  | Waived-Audited FICO of 618 is less than Guideline FICO of 640 Exception approved for FICO of 618, guidelines require 640. - Due Diligence Vendor-04/23/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 71.44 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Investment Property DSCR Exceeds 1.25 - DSCR Score of 1.44 exceeds DSCR of 1.25 and Reflects Strong Investment Cash Flow | DSCR score of 1.45 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 837700 | xxxxxx | C B A | Closed | xxxxxx | 2025-04-23 10:17 | 2025-07-09 22:08 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- Client Waived with Compensating Factors. Audited LTV of 65% exceeds Guideline LTV of 60% Exception approved for LTV of 65% exceeds Guideline max LTV of 60%. - Due Diligence Vendor-04/23/2025 |  | Waived-Audited LTV of 65% exceeds Guideline LTV of 60% Exception approved for LTV of 65% exceeds Guideline max LTV of 60%. - Due Diligence Vendor-04/23/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 71.44 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Investment Property DSCR Exceeds 1.25 - DSCR Score of 1.44 exceeds DSCR of 1.25 and Reflects Strong Investment Cash Flow | DSCR score of 1.45 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 837700 | xxxxxx | C B A | Closed | xxxxxx | 2025-04-23 10:17 | 2025-04-25 12:33 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived- Client Waived with Compensating Factors. Approved Lender Exception: Exception approval is required for loan amount of xxxxxx. Per guideline, minimum loan amount must be $150,000. - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Document Uploaded. - Seller-04/24/2025 <br> Open-Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 150000 The exception provided has incorrect loan amount of xxxxxx, Note reflects xxxxxx. Also Comp Factor reflects DSCR score of 1.82%, Audit produced DSCR score of 1.45%. - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. - Seller-04/24/2025<br>| Waived-Approved Lender Exception: Exception approval is required for loan amount of xxxxxx. Per guideline, minimum loan amount must be $150,000. - Due Diligence Vendor-04/25/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 71.44 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Investment Property DSCR Exceeds 1.25 - DSCR Score of 1.44 exceeds DSCR of 1.25 and Reflects Strong Investment Cash Flow | DSCR ratio of 1.45. | Guideline Exception Form - xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 837701 | xxxxxx | B A | Closed | xxxxxx | 2025-05-06 07:52 | 2025-05-07 13:27 | Waived | 2 - Non-Material B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived- Client Waived with Compensating Factors. Exception for Cash Out Refinance, guideline does not allow Cash Out transaction for borrower with foreign credit with <1.0 DSCR - Due Diligence Vendor-05/06/2025 |  | Waived-Exception for Cash Out Refinance, guideline does not allow Cash Out transaction for borrower with foreign credit with <1.0 DSCR - Due Diligence Vendor-05/06/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.16 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 64.9 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | 65.52 months post-closing reserves(using cash out amount)<br> C1 property condition (property is a new construction) |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 837701 | xxxxxx | B A | Closed | xxxxxx | 2025-05-06 07:55 | 2025-05-07 13:27 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived- Client Waived with Compensating Factors. Exception for loan amount of xxxxxx exceeds the maximum of $1,000,000 for <1.0 DSCR Cash Out transaction. - Due Diligence Vendor-05/06/2025 |  | Waived-Exception for loan amount of xxxxxx exceeds the maximum of $1,000,000 for <1.0 DSCR Cash Out transaction. - Due Diligence Vendor-05/06/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 64.9 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | 65.52 months post-closing reserves(using cash out amount)<br> C1 property condition (property is a new construction) |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 837701 | xxxxxx | B A | Closed | xxxxxx | 2025-05-06 08:00 | 2025-05-07 13:27 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- Client Waived with Compensating Factors. Exception on LTV of 60% exceeds the max allowed of 45%. - Due Diligence Vendor-05/06/2025 |  | Waived-Exception on LTV of 60% exceeds the max allowed of 45%. - Due Diligence Vendor-05/06/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 64.9 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | 65.52 months post-closing reserves(using cash out amount)<br> C1 property condition (property is a new construction) |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 837701 | xxxxxx | B A | Closed | xxxxxx | 2025-05-06 08:02 | 2025-05-07 13:27 | Waived | 2 - Non-Material B | Credit | Assets | Asset General | Waived- Client Waived with Compensating Factors. Exception on current cashout of $961,295.85 exceeds the maximum allowed of $300,000 for LTV > 50% - Due Diligence Vendor-05/06/2025 |  | Waived-Exception on current cashout of $961,295.85 exceeds the maximum allowed of $300,000 for LTV > 50% - Due Diligence Vendor-05/06/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 64.9 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | 65.52 months post-closing reserves(using cash out amount)<br> C1 property condition (property is a new construction) |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 837701 | xxxxxx | B A | Closed | xxxxxx | 2025-05-06 07:51 | 2025-05-07 13:27 | Waived | 2 - Non-Material B | Credit | Income | DSCR is less than the guideline minimum | Waived- Client Waived with Compensating Factors. Exception for <1.00 DSCR, minimum DSCR allowed for FN borrower with no xxxxxx credit is 1.0 - Due Diligence Vendor-05/06/2025 |  | Waived-Exception for <1.00 DSCR, minimum DSCR allowed for FN borrower with no xxxxxx credit is 1.0 - Due Diligence Vendor-05/06/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 64.9 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | 65.52 months post-closing reserves(using cash out amount)<br> C1 property condition (property is a new construction) |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 837702 | xxxxxx | B A | Closed | xxxxxx | 2025-05-22 11:19 | 2025-05-22 11:19 | Waived | 2 - Non-Material B | Credit | Eligibility | Ownership vesting and/or seasoning does not meet minimum requirement for use of appraised value. | Waived- Client Waived with Compensating Factors. Borrower(s) purchased property within most recent twelve (12) months and does not meet minimum seasoning requirement for title vesting. Exception to allow using the appraised value of xxxxxx. Per guideline, if owned less than 12 months, needs to use the purchase price plus documented improvements. Borrower owned the property last xxxxxx with a purchase price of xxxxxx. Per the appraisal report, the appraiser provided an overall condition rating of C3; xxxxxx-updated-less than one year ago; xxxxxx updated less than one year ago; the subject is in overall average condition. xxxxxx addition - Due Diligence Vendor-05/22/2025 |  | Waived-Borrower(s) purchased property within most recent twelve (12) months and does not meet minimum seasoning requirement for title vesting. Exception to allow using the appraised value of $xxxxxx. Per guideline, if owned less than 12 months, needs to use the purchase price plus documented improvements. Borrower owned the property last xxxxxx with a purchase price of xxxxxx. Per the appraisal report, the appraiser provided an overall condition rating of C3; xxxxxx-updated-less than one year ago; xxxxxx updated less than one year ago; the subject is in overall average condition. xxxxxx addition - Due Diligence Vendor-05/22/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 125.34 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 - 5.16 Years | Debt service coverage ratio >1.31 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 837702 | xxxxxx | B A | Closed | xxxxxx | 2025-05-15 10:57 | 2025-05-15 10:57 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan Amount does not meet eligibility requirement(s) | Waived- Client Waived with Compensating Factors. Exception to allow the loan amount of xxxxxx. Per guideline, the new loan amount can be no more than the actual documented amount of <br> xxxxxx of the borrower's initial investment. - Due Diligence Vendor-05/15/2025 |  | Waived-Exception to allow the loan amount of xxxxxx. Per guideline, the new loan amount can be no more than the actual documented amount of <br> xxxxxx of the borrower's initial investment. - Due Diligence Vendor-05/15/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 125.34 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 - 5.16 Years | Debt service coverage ratio >1.31 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 837702 | xxxxxx | B A | Closed | xxxxxx | 2025-05-15 10:55 | 2025-05-15 10:55 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived- Client Waived with Compensating Factors. Did not meet the refinance cash out seasoning requirement of 6 months. 6 months seasoning required measure from deed transfer to <br> application. Property acquired on xxxxxx. - Due Diligence Vendor-05/15/2025 |  | Waived-Did not meet the refinance cash out seasoning requirement of 6 months. 6 months seasoning required measure from deed transfer to <br> application. Property acquired on xxxxxx. - Due Diligence Vendor-05/15/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 125.34 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 - 5.16 Years | Debt service coverage ratio >1.31 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 837702 | xxxxxx | B A | Closed | xxxxxx | 2025-05-15 10:54 | 2025-05-15 10:54 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived- Client Waived with Compensating Factors. Loan amount xxxxxx did not meet the minimum loan size of $150,000 - Due Diligence Vendor-05/15/2025 |  | Waived-Loan amount xxxxxx did not meet the minimum loan size of $150,000 - Due Diligence Vendor-05/15/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 125.34 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 - 5.16 Years | Debt service coverage ratio >1.31<br>|  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 837702 | xxxxxx | B A | Closed | xxxxxx | 2025-05-15 10:52 | 2025-05-15 10:52 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- Client Waived with Compensating Factors. Current LTV of 75% exceeds the max of 55%. (Max of 60% less 5% of the subject being unleased.) - Due Diligence Vendor-05/15/2025 |  | Waived-Current LTV of 75% exceeds the max of 55%. (Max of 60% less 5% of the subject being unleased.) - Due Diligence Vendor-05/15/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 125.34 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 - 5.16 Years | Debt service coverage ratio >1.31 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 837706 | xxxxxx | B A | Closed | xxxxxx | 2025-05-12 08:47 | 2025-05-16 10:05 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived- Client Waived with Compensating Factors. Exception on receiving gift funds. Borrower is receiving 100% gift funds. Per guidelines, gift funds are not allowed <br> - Due Diligence Vendor-05/12/2025 |  | Waived-Exception on receiving gift funds. Borrower is receiving 100% gift funds. Per guidelines, gift funds are not allowed <br> - Due Diligence Vendor-05/12/2025<br>| Low qualifying LTV - Qualifying LTV of 65% with appraised value supported by two appraisal review products<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.38 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | 28 months reserves |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 837706 | xxxxxx | B A | Closed | xxxxxx | 2025-05-12 08:49 | 2025-05-16 09:48 | Waived | 2 - Non-Material B | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Waived- Client Waived with Compensating Factors. Document is incomplete or missing required policy information. HOI does not indicate dollar amount of rent loss coverage. Property has 12 months actual loss sustained coverage. - Due Diligence Vendor-05/12/2025 |  | Waived-Document is incomplete or missing required policy information. HOI does not indicate dollar amount of rent loss coverage. Property has 12 months actual loss sustained coverage. - Due Diligence Vendor-05/12/2025<br>| Low qualifying LTV - Qualifying LTV of 65% with appraised value supported by two appraisal review products<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.38 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | 28 months reserves |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 837707 | xxxxxx | B A | Closed | xxxxxx | 2025-05-06 09:25 | 2025-05-13 15:43 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived- Client Waived with Compensating Factors. Exception required to use gift funds on FN investment purchase - Due Diligence Vendor-05/13/2025 |  | Waived-Exception required to use gift funds on FN investment purchase - Due Diligence Vendor-05/13/2025 | DSCR Exceeds Program Minimum DSCR by Greater Than 0.25. - DSCR of 1.06 Exceeds Program Minimum DSCR of 0.75 by Greater Than >0.25.<br>Borrower Contribution Exceeds Minimum Requirements - Borrower Contribution of 85% Exceeds Guidelines. After Gift Funds, Borrower Funds Over $90,000 from Personal Assets. | DSCR 1.06; Borrower own funds 85% with cash-to-close over $90k after gift. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 837709 | xxxxxx | B A | Closed | xxxxxx | 2025-07-10 11:07 | 2025-07-10 11:07 | Waived | 2 - Non-Material B | Credit | Borrower | Borrower Identification Documentation Partially Provided | Waived- Client Waived with Compensating Factors. EXCEPTION REQUIRED TO USE SIGNED W-7 FORM FOR EXPIRED ITIN WITH NOTICE DATE 6/30/2020. - Due Diligence Vendor-07/10/2025 |  | Waived-EXCEPTION REQUIRED TO USE SIGNED W-7 FORM FOR EXPIRED ITIN WITH NOTICE DATE 6/30/2020. - Due Diligence Vendor-07/10/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 76.84 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 - Post closing reserves is 76.83 months which program requires 6 months | Post closing reserves is 76.83 months which program requires 6 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 837709 | xxxxxx | B A | Closed | xxxxxx | 2025-04-24 06:26 | 2025-04-25 13:33 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- Client Waived with Compensating Factors. Audited LTV of 65% exceeds Guideline LTV of 60% EXCEPTION FOR CURRENT LTV OF 65.00% EXCEEDS THE MAXIMUM ALLOWED OF 60% < 680 FICO SCORE AND DSCR OF 0.84. - Due Diligence Vendor-04/24/2025 |  | Waived-Audited LTV of 65% exceeds Guideline LTV of 60% EXCEPTION FOR CURRENT LTV OF 65.00% EXCEEDS THE MAXIMUM ALLOWED OF 60% < 680 FICO SCORE AND DSCR OF 0.84. - Due Diligence Vendor-04/24/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 76.84 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 - Post closing reserves is 76.83 months which program requires 6 months | Post closing reserves is 76.83 months which program requires 6 months. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 837709 | xxxxxx | B A | Closed | xxxxxx | 2025-04-24 06:07 | 2025-04-25 13:32 | Waived | 2 - Non-Material B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived- Client Waived with Compensating Factors. Delinquent Credit History Does Not Meet Guideline Requirements EXCEPTION FOR HAVING NON-MEDICAL COLLECTION ACCOUNTS IN THE LAST 24 MONTHS. - Due Diligence Vendor-04/24/2025 |  | Waived-Delinquent Credit History Does Not Meet Guideline Requirements EXCEPTION FOR HAVING NON-MEDICAL COLLECTION ACCOUNTS IN THE LAST 24 MONTHS. - Due Diligence Vendor-04/24/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 76.84 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 - Post closing reserves is 76.83 months which program requires 6 months | Post closing reserves is 76.83 months which program requires 6 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 837709 | xxxxxx | B A | Closed | xxxxxx | 2025-04-24 06:26 | 2025-04-24 06:57 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived- Client Waived with Compensating Factors. Audited FICO of 627 is less than Guideline FICO of 660 EXCEPTION FOR CURRENT FICO OF 627 DID NOT MEET THE 660 MINIMUM FICO SCORE ALLOWED. - Due Diligence Vendor-04/24/2025 |  | Waived-Audited FICO of 627 is less than Guideline FICO of 660 EXCEPTION FOR CURRENT FICO OF 627 DID NOT MEET THE 660 MINIMUM FICO SCORE ALLOWED. - Due Diligence Vendor-04/24/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 76.84 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 - Post closing reserves is 76.83 months which program requires 6 months | Post closing reserves is 76.83 months which program requires 6 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 837709 | xxxxxx | B A | Closed | xxxxxx | 2025-04-24 06:56 | 2025-04-24 06:56 | Waived | 2 - Non-Material B | Credit | Eligibility | Trade line count does not meet program requirements | Waived- Client Waived with Compensating Factors. EXCEPTION FOR BORROWER DID NOT MEET THE MINIMUM OF 3 TRADELINES AGED INDIVIDUALLY FOR A MINIMUM OF 2 YEARS. - Due Diligence Vendor-04/24/2025 |  | Waived-EXCEPTION FOR BORROWER DID NOT MEET THE MINIMUM OF 3 TRADELINES AGED INDIVIDUALLY FOR A MINIMUM OF 2 YEARS. - Due Diligence Vendor-04/24/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 76.84 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 - Post closing reserves is 76.83 months which program requires 6 months | Post closing reserves is 76.83 months which program requires 6 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 837709 | xxxxxx | B A | Closed | xxxxxx | 2025-04-24 06:47 | 2025-04-24 06:47 | Waived | 2 - Non-Material B | Credit | Missing Doc | xxxxxx Driver's License or other xxxxxx or foreign government-issued photo ID Missing | Waived- Client Waived with Compensating Factors. EXCEPTION FOR BORROWER DOES NOT HAVE A DRIVER'S LICENSE. - Due Diligence Vendor-04/24/2025 |  | Waived-EXCEPTION FOR BORROWER DOES NOT HAVE A DRIVER'S LICENSE. - Due Diligence Vendor-04/24/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 76.84 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 - Post closing reserves is 76.83 months which program requires 6 months | Post closing reserves is 76.83 months which program requires 6 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 837715 | xxxxxx | D B C A | Closed | xxxxxx | 2025-05-08 18:51 | 2025-05-15 13:51 | Resolved | 1 - Information D A | Compliance | Missing Doc | Note data is missing or inaccurate | Resolved-Per Directive, Operating Agreement located in the file on page 55 - Due Diligence Vendor-05/15/2025 <br>Ready for Review-unless closing agent requires it to insure the loan, we don't put title's of members - Seller-05/13/2025 <br>Counter- Loan closed in an LLC and the Note, DOT, business purpose cert, occupancy certs, and federal notices need to be corrected showing "member titles" added to signature lines - Due Diligence Vendor-05/13/2025 <br>Ready for Review-Document Uploaded. - Seller-05/12/2025 <br>Counter-Loan Closed under a business Entity and the following Documents need to reflect the borrower/guarantors LLC member title which are the Note, DOT, business purpose cert, occupancy certs, and federal notices. - Due Diligence Vendor-05/11/2025 <br>Ready for Review-These are all in our shipping package to you - Seller-05/09/2025 <br>Open-Note, DOT, business purpose cert, occupancy certs, and federal notices to be corrected with LLC member title added to signature lines. - Due Diligence Vendor-05/08/2025 | Ready for Review-unless closing agent requires it to insure the loan, we don't put title's of members - Seller-05/13/2025 <br>Ready for Review-Document Uploaded. - Seller-05/12/2025 <br>Ready for Review-These are all in our shipping package to you - Seller-05/09/2025<br>| Resolved-Per Directive, Operating Agreement located in the file on page 55 - Due Diligence Vendor-05/15/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | MISC SIGNED DOCS (1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | NA | NA | xxxxxx |
| 837715 | xxxxxx | D B C A | Closed | xxxxxx | 2025-05-08 19:50 | 2025-05-09 05:32 | Resolved | 1 - Information C A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-05/09/2025 <br> Open-Total Liquid Assets Available for Close of $0 is less than Total Cash to Close $24574.95. Missing evidence of sufficient funds to close and reserves. (Underwriting sheet (page 6) says lien from xxxxxx for the subject property will be divided to subject property and xxxxxx but HUD1 shows all of loan being paid off and borrower needing funds to close and reserves) Additionally there is a HUD1 dated xxxxxx to a different party, xxxxxx, who is receiving cash back. (page 526) and another HUD1 date xxxxxx for xxxxxx and borrower receiving cash back $49,679.63 (page 527). - Due Diligence Vendor-05/08/2025 |  | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-05/09/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | NA | NA | xxxxxx |
| 837715 | xxxxxx | D B C A | Closed | xxxxxx | 2025-05-07 09:09 | 2025-05-08 19:54 | Waived | 2 - Non-Material B | Property | Appraisal | Appraisal dated after closing | Waived- Client Waived with Compensating Factors. Appraisal transfer is more than 45 days upon loan submission. Report is 52 days old.<br> - Due Diligence Vendor-05/07/2025 |  | Waived-Appraisal transfer is more than 45 days upon loan submission. Report is 52 days old.<br> - Due Diligence Vendor-05/07/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | • Borrower exceeds minimum credit score requirement by 131 points<br> • All consumer credit paid as agreed in the most recent 12 months<br> • Property is not income producing |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 837715 | xxxxxx | D B C A | Closed | xxxxxx | 2025-05-07 09:09 | 2025-05-08 19:54 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- Client Waived with Compensating Factors. LTV/CLTV of 75% exceeds the max of 60% for no primary residence. Borrower is currently renting - Due Diligence Vendor-05/07/2025 |  | Waived-LTV/CLTV of 75% exceeds the max of 60% for no primary residence. Borrower is currently renting - Due Diligence Vendor-05/07/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | • Borrower exceeds minimum credit score requirement by 131 points<br> • All consumer credit paid as agreed in the most recent 12 months<br> • Property is not income producing |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 837715 | xxxxxx | D B C A | Closed | xxxxxx | 2025-05-07 09:10 | 2025-05-08 19:54 | Waived | 2 - Non-Material B | Credit | Income | DSCR is less than the guideline minimum | Waived- Client Waived with Compensating Factors. DSCR 0.94 below the minimum requirement of DSCR 1.0. - Due Diligence Vendor-05/07/2025 |  | Waived-DSCR 0.94 below the minimum requirement of DSCR 1.0. - Due Diligence Vendor-05/07/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | • Borrower exceeds minimum credit score requirement by 131 points<br> • All consumer credit paid as agreed in the most recent 12 months<br> • Property is not income producing |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 837715 | xxxxxx | D B C A | Closed | xxxxxx | 2025-05-07 09:10 | 2025-05-08 19:54 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived- Client Waived with Compensating Factors. Loan amount xxxxxx did not meet the minimum loan size of $150,000. - Due Diligence Vendor-05/07/2025 |  | Waived-Loan amount xxxxxx did not meet the minimum loan size of $150,000. - Due Diligence Vendor-05/07/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | • Borrower exceeds minimum credit score requirement by 131 points<br> • All consumer credit paid as agreed in the most recent 12 months<br> • Property is not income producing |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 837715 | xxxxxx | D B C A | Closed | xxxxxx | 2025-05-07 09:11 | 2025-05-08 19:54 | Waived | 2 - Non-Material B | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and/or the Replacement Cost Estimator Value Provided by the Insurer | Waived- Client Waived with Compensating Factors. Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than the greater of the Subject Lien or replacement cost value and Replacement Cost Estimator by Insurer was Provided Exception approval is required for having no replacement cost. Insurance policy covers full repair cost. Current dwelling is $xxxxxx while loan amount is xxxxxx. - Due Diligence Vendor-05/07/2025 |  | Waived-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than the greater of the Subject Lien or replacement cost value and Replacement Cost Estimator by Insurer was Provided Exception approval is required for having no replacement cost. Insurance policy covers full repair cost. Current dwelling is $100,000 while loan amount is xxxxxx. - Due Diligence Vendor-05/07/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | • Borrower exceeds minimum credit score requirement by 131 points<br> • All consumer credit paid as agreed in the most recent 12 months<br> • Property is not income producing |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 837715 | xxxxxx | D B C A | Closed | xxxxxx | 2025-05-08 19:30 | 2025-05-08 19:53 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived- Client Waived with Compensating Factors. Primary Value Valuation Neighborhood Location Not Allowed for Program Lender exception for property being located in xxxxxx area according to appraisal. - Due Diligence Vendor-05/08/2025 |  | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Lender exception for property being located in xxxxxx area according to appraisal. - Due Diligence Vendor-05/08/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | Borrower exceeds Minimum credit score by 131 poinnts<br> All consumer credit paid as agreed in the most recent 12 months<br> Property is not income producing |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 837717 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-22 11:14 | 2025-05-22 11:14 | Waived | 2 - Non-Material B | Credit | Eligibility | Ownership vesting and/or seasoning does not meet minimum requirement for use of appraised value. | Waived- Client Waived with Compensating Factors. Borrower(s) purchased property within most recent twelve (12) months and does not meet minimum seasoning requirement for title vesting. Exception on not meeting the 6 months seasoning requirements on deed transfer to application. Property was acquired on xxxxxx. - Due Diligence Vendor-05/22/2025 |  | Waived-Borrower(s) purchased property within most recent twelve (12) months and does not meet minimum seasoning requirement for title vesting. Exception on not meeting the 6 months seasoning requirements on deed transfer to application. Property was acquired on xxxxxx. - Due Diligence Vendor-05/22/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 681 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 73.2 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | Borrower exceeds minimum credit score requirement by at least 15 points |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Home Improvement/Reno | Originator Pre-Close | Yes | xxxxxx |
| 837717 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-07 10:15 | 2025-05-15 14:02 | Resolved | 1 - Information D A | Compliance | Missing Doc | Note data is missing or inaccurate | Resolved-Per Directive, Operating Agreement located in the file on page 54 - Due Diligence Vendor-05/15/2025 <br> Ready for Review-unless closing agent requires it to insure the loan, we don't put title's of members<br>- Seller-05/13/2025 <br> Counter-Document Uploaded. Loan closed in an LLC and the Note, DOT, business purpose cert, occupancy certs, and federal notices need to be corrected showing "member titles" added to signature lines - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. - Seller-05/12/2025 <br> Open-Missing signature of note as xxxxxx, member instead as currently signed. This also applies to mortgage. - Due Diligence Vendor-05/07/2025 | Ready for Review-unless closing agent requires it to insure the loan, we don't put title's of members<br>- Seller-05/13/2025 <br>Ready for Review-Document Uploaded. - Seller-05/12/2025<br>| Resolved-Per Directive, Operating Agreement located in the file on page 54 - Due Diligence Vendor-05/15/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 681 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 73.2 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | NOTE & SIGNED ALLONGE.pdf<br> Screenshot 2025-05-13 062419.jpg | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Home Improvement/Reno | NA | NA | xxxxxx |
| 837717 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-06 11:26 | 2025-05-07 10:32 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived- Client Waived with Compensating Factors. Exception to allow a loan amount of xxxxxx. Per guidelines minimum loan amount requirement is $150,000. - Due Diligence Vendor-05/06/2025 |  | Waived-Exception to allow a loan amount of xxxxxx. Per guidelines minimum loan amount requirement is $150,000. - Due Diligence Vendor-05/06/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 681 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 73.2 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | Borrower exceeds minimum credit score requirement by at least 15 point |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Home Improvement/Reno | Originator Pre-Close | Yes | xxxxxx |
| 837717 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-07 10:31 | 2025-05-07 10:31 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- Client Waived with Compensating Factors. Audited LTV of 75% exceeds Guideline LTV of 60% Lender exception for 75%LTV since max LTV without primary residence is 60% - Due Diligence Vendor-05/07/2025 |  | Waived-Audited LTV of 75% exceeds Guideline LTV of 60% Lender exception for 75%LTV since max LTV without primary residence is 60% - Due Diligence Vendor-05/07/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 681 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 73.2 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | Exceeds minimum credit score by 15 points. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Home Improvement/Reno | Originator Pre-Close | Yes | xxxxxx |
| 837781 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 837789 | xxxxxx | D A | Closed | xxxxxx | 2025-06-10 10:35 | 2025-06-12 17:48 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-06/12/2025 <br>Ready for Review-Document Uploaded. CPA letter including % - Buyer-06/10/2025 <br>Open-Borrower 1 CPA Letter Missing Missing CPA letter confirming borrower's ownership percentage. - Due Diligence Vendor-06/10/2025 |  | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-06/12/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.12% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | CPA letter signed....pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | NA | NA | xxxxxx |
| 837853 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 837997 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 838096 | xxxxxx | D A | Closed | xxxxxx | 2025-05-29 13:58 | 2025-06-10 17:46 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-06/05/2025 <br>Ready for Review-Document Uploaded. NOTE uploaded - Seller-06/04/2025 <br>Open-The Note is Missing - Due Diligence Vendor-05/29/2025 | Ready for Review-Document Uploaded. NOTE uploaded - Seller-06/04/2025<br>| Resolved-The Note is Present - Due Diligence Vendor-06/05/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 740 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 - 5.16 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 11.63% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) 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 - 13.74 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.34 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 - 14.40 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 - 19 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 0.22 |  | NOTE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 838096 | xxxxxx | D A | Closed | xxxxxx | 2025-06-02 23:39 | 2025-06-05 13:48 | Resolved | 1 - Information D A | Compliance | Missing Doc - ROR | Right of Rescission is Missing | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. Right of recission uploaded - Seller-06/04/2025 <br> Open-Right of Rescission is Missing - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. Right of recission uploaded - Seller-06/04/2025<br>| Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-06/05/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 740 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 - 5.16 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 11.63% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) 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 - 13.74 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.34 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 - 14.40 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 - 19 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 0.22 |  | RIght of Recission.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 838096 | xxxxxx | D A | Closed | xxxxxx | 2025-05-29 14:55 | 2025-06-05 06:54 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-06/05/2025 <br>Ready for Review-Document Uploaded. Social security and drivers license uploaded - Seller-06/04/2025 <br>Open-Borrower 1 Citizenship Documentation Is Missing Missing ID - Due Diligence Vendor-05/29/2025 | Ready for Review-Document Uploaded. Social security and drivers license uploaded - Seller-06/04/2025<br>| Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-06/05/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 740 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 - 5.16 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 11.63% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) 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 - 13.74 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.34 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 - 14.40 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 - 19 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 0.22 |  | Drivers License - xxxxxx.pdf<br> Social Security Card - xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 838096 | xxxxxx | D A | Closed | xxxxxx | 2025-05-29 14:55 | 2025-06-05 06:54 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-Borrower 2 Citizenship Documentation Provided or Not Required (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Present) - Due Diligence Vendor-06/05/2025 <br>Ready for Review-Document Uploaded. Social security and drivers licensed uploaded - Seller-06/04/2025 <br>Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) Missing ID - Due Diligence Vendor-05/29/2025 | Ready for Review-Document Uploaded. Social security and drivers licensed uploaded - Seller-06/04/2025<br>| Resolved-Borrower 2 Citizenship Documentation Provided or Not Required (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Present) - Due Diligence Vendor-06/05/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 740 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 - 5.16 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 11.63% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) 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 - 13.74 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.34 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 - 14.40 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 - 19 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 0.22 |  | Drivers License - xxxxxx.pdf<br> Social Security Card - xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 838096 | xxxxxx | D A | Closed | xxxxxx | 2025-05-29 14:03 | 2025-06-05 06:52 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved- Security Instrument provided - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. deed of trust uploaded. - Seller-06/04/2025 <br> Open-The Deed of Trust is Missing - Due Diligence Vendor-05/29/2025 | Ready for Review-Document Uploaded. deed of trust uploaded. - Seller-06/04/2025<br>|  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 740 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 - 5.16 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 11.63% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) 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 - 13.74 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.34 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 - 14.40 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 - 19 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 0.22 |  | dot.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 838107 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 838108 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 838123 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 838130 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 838164 | xxxxxx | B A | Closed | xxxxxx | 2025-05-27 06:59 | 2025-06-02 00:26 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-Document Uploaded. - Due Diligence Vendor-06/02/2025 <br>Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/02/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-05/27/2025 |  | Resolved-Document Uploaded. - Due Diligence Vendor-06/02/2025 <br>Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/02/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 351.24 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 688 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  | Full Review838164_4241191_xxxxxx_5_29_2025_15437_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | NA | NA | xxxxxx |
| 838172 | xxxxxx | D A | Closed | xxxxxx | 2025-06-19 16:19 | 2025-06-23 15:11 | Resolved | 1 - Information D A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Credit supplement provided for primary residence showing no lates in last 12 months. - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. Please see attached Credit Supplement. - Due Diligence Vendor-06/23/2025 <br> Open-Missing VOM showing May payment made and borrower is paid current on xxxxxx for Primary residence located at xxxxxx - Due Diligence Vendor-06/19/2025 |  | Resolved-Credit supplement provided for primary residence showing no lates in last 12 months. - Due Diligence Vendor-06/23/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 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 - 10.45 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 775 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 41.22% 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 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.16 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review838172_4503777_xxxxxx_6_20_2025_115912_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | NA | NA | xxxxxx |
| 838192 | xxxxxx | D A | Closed | xxxxxx | 2025-06-15 11:19 | 2025-06-17 23:48 | Resolved | 1 - Information D A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-VOR provided showing 43 months of rental history and no lates in the last 12 months. - Due Diligence Vendor-06/18/2025 <br>Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-06/18/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Per G/L on pg. 85:<br> Borrowers who are currently renting a residence, a most recent 12-month rental history is required <br> reflecting paid as agreed. - Due Diligence Vendor-06/15/2025 |  | Resolved-VOR provided showing 43 months of rental history and no lates in the last 12 months. - Due Diligence Vendor-06/18/2025<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 0.23<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 - 26.33 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.98% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | Full Review838192_4451790_xxxxxx_6_17_2025_121459_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | NA | NA | xxxxxx |
| 838218 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 838231 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 838412 | xxxxxx | C A | Closed | xxxxxx | 2025-06-06 16:26 | 2025-06-11 11:42 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Clerical PCCD received, consequential finding resolved - Due Diligence Vendor-06/11/2025 <br>Ready for Review-Document Uploaded. Please see attached PCCD. - Due Diligence Vendor-06/11/2025 <br>Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. \*\*\*\*Section B has the MERS Registration fee paid to the lender. Fees paid to the lender do not typically belong in Section B. Lender to confirm fee was a pass-through fee paid to the lender for the benefit of a third party and provide supporting documentation and a corrected PCCD correcting the payee Name. - Due Diligence Vendor-06/06/2025 |  | Resolved-Clerical PCCD received, consequential finding resolved - Due Diligence Vendor-06/11/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.51 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 0.22<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.2% 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 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.72 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review838412_4366873_xxxxxx_6_11_2025_104921_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | NA | NA | xxxxxx |
| 838437 | xxxxxx | D A | Closed | xxxxxx | 2025-06-19 11:54 | 2025-06-24 12:39 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-06/24/2025 <br>Ready for Review-Document Uploaded. 1 registered agent - Buyer-06/20/2025 <br>Open-Borrower 1 CPA Letter Missing Missing CPA letter confirming borrower ownership %. - Due Diligence Vendor-06/19/2025 |  | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-06/24/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.57 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 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 - 9.45 Years |  | xxxxxx- 2024 FILED ANNUAL REPORT 1 registered agent.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 838437 | xxxxxx | D A | Closed | xxxxxx | 2025-06-19 12:40 | 2025-06-24 11:28 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | 1-4 Family Rider is Missing | Resolved-ALR provided - Due Diligence Vendor-06/24/2025 <br>Ready for Review-Document Uploaded. Assignment of leases and rents - Buyer-06/20/2025 <br>Open-1-4 Family Rider is Missing Missing executed Assignment of Rents. - Due Diligence Vendor-06/19/2025 |  | Resolved-ALR provided - Due Diligence Vendor-06/24/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.57 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 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 - 9.45 Years |  | xxxxxx- Assignment of Leases and Rents Rider.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 838530 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 838632 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-09 21:50 | 2025-07-09 21:51 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived- Client Waived with Compensating Factors. Condo project does not meet guidelines. Exception granted for Condo project does not meet guidelines. A single entity holds over 20% of the condo project. - Due Diligence Vendor-07/10/2025 |  | Waived-Condo project does not meet guidelines. Exception granted for Condo project does not meet guidelines. A single entity holds over 20% of the condo project. - Due Diligence Vendor-07/10/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 579.27 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 32.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 725 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> DTI <= 36% which is below requirement in guidelines |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 838632 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-16 18:15 | 2025-06-18 23:50 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review value of xxxxxx supports value within a -10.0% variance. - Due Diligence Vendor-06/19/2025 <br> Ready for Review-Document Uploaded. See attached CDA - Due Diligence Vendor-06/19/2025 <br> Open-LCA and CU dated xxxxxx>2.5, missing required CDA. - Due Diligence Vendor-06/16/2025 |  | Resolved-Desk review value of xxxxxx supports value within a -10.0% variance. - Due Diligence Vendor-06/19/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 579.27 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 32.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 725 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | Full Review838632_4465076_xxxxxx_6_18_2025_51714_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | NA | NA | xxxxxx |
| 838715 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 838733 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 838734 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other |  |  |  |
| 838950 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 839363 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 839394 | xxxxxx | C A | Closed | xxxxxx | 2025-06-17 11:00 | 2025-06-17 23:59 | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-Client confirmed disbursement date as xxxxxx which is the effective date of the policy. - Due Diligence Vendor-06/18/2025 <br> Open-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx Policy was in place at time of disbursement xxxxxx. - Due Diligence Vendor-06/17/2025 |  | Resolved-Client confirmed disbursement date as xxxxxx which is the effective date of the policy. - Due Diligence Vendor-06/18/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 791 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 - 6.69 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | NA | NA | xxxxxx |
| 839400 | xxxxxx | B A | Closed | xxxxxx | 2025-05-28 17:17 | 2025-06-02 16:15 | Waived | 2 - Non-Material B | Credit | Eligibility | Residual Income Does Not Meet Guideline Requirements | Waived- Client Waived with Compensating Factors. Exception approval for not meeting residual income of at least $2500 with loan program xxxxxx, current residual income is $1622.62 - Due Diligence Vendor-05/28/2025 |  | Waived-Exception approval for not meeting residual income of at least $2500 with loan program xxxxxx, current residual income is $1622.62 - Due Diligence Vendor-05/28/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.12% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 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 - 26.75 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 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 - 27.19 Years | Current FICO is of 715 while min required is 660 exceeds minimum credit score requirement by at least 55 points.<br> - Current LTV is 70%, maximum allowable LTV is 80%<br> - All consumer credit paid as agreed in the most recent 12 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Pre-Close | Yes | xxxxxx |
| 839401 | xxxxxx | B A | Closed | xxxxxx | 2025-06-13 06:27 | 2025-06-13 13:30 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived- Client Waived with Compensating Factors. Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 250000 EXCEPTION APPROVAL REQUIRED FOR NOT MEETING THE MINIMUM LOAN AMOUNT OF $250K FOR xxxxxx. - Due Diligence Vendor-06/13/2025 |  | Waived-Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 250000 EXCEPTION APPROVAL REQUIRED FOR NOT MEETING THE MINIMUM LOAN AMOUNT OF $250K FOR xxxxxx. - Due Diligence Vendor-06/13/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.43% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 742 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | · FICO 742 <br> · Has owned an INV property since Aug 2024 with no mortgage lates. <br> · Although not considered, Payment Shock is only 55.717%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 839401 | xxxxxx | B A | Closed | xxxxxx | 2025-06-13 06:27 | 2025-06-13 13:30 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- Client Waived with Compensating Factors. Audited LTV of 78% exceeds Guideline LTV of 75% EXCEPTION APPROVAL REQUIRED FOR 78% LTV. MAX LTV FOR LIVING RENT-FREE IS 75%. - Due Diligence Vendor-06/13/2025 |  | Waived-Audited LTV of 78% exceeds Guideline LTV of 75% EXCEPTION APPROVAL REQUIRED FOR 78% LTV. MAX LTV FOR LIVING RENT-FREE IS 75%. - Due Diligence Vendor-06/13/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.43% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 742 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | · FICO 742 <br> · Has owned an INV property since Aug 2024 with no mortgage lates. <br> · Although not considered, Payment Shock is only 55.717%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 839401 | xxxxxx | B A | Closed | xxxxxx | 2025-06-13 06:28 | 2025-06-13 13:29 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived- Client Waived with Compensating Factors. EXCEPTION APPROVAL REQUIRED FOR USE OF RENTS NOTED IN COMINGLED ACCOUNT - Due Diligence Vendor-06/13/2025 |  | Waived-EXCEPTION APPROVAL REQUIRED FOR USE OF RENTS NOTED IN COMINGLED ACCOUNT - Due Diligence Vendor-06/13/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.43% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 742 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | · FICO 742 <br> · Has owned an INV property since Aug 2024 with no mortgage lates. <br> · Although not considered, Payment Shock is only 55.717%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 839402 | xxxxxx | B A | Closed | xxxxxx | 2025-05-30 18:58 | 2025-06-04 09:44 | Waived | 2 - Non-Material B | Credit | Income | Continuity of Income Unsupported | Waived- Client Waived with Compensating Factors. Likelihood of income to continue is not supported. Exception request to use the higher calculated income from bank statements, although the 1003 reflects a lower income - Due Diligence Vendor-05/30/2025 | LO LOE in file attributing to LO data entry error - 06/04/2025 <br>| Waived-Likelihood of income to continue is not supported. Exception request to use the higher calculated income from bank statements, although the 1003 reflects a lower income - Due Diligence Vendor-05/30/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.66 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.28 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | Minimum required FICO is 640; borrower's current FICO is 671.<br> • Borrower has over 6 months of reserves.<br> • DTI would be 8.578%, significantly below the maximum allowed DTI of 50%.<br> Housing history 0X30X12 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 839402 | xxxxxx | B A | Closed | xxxxxx | 2025-05-30 19:17 | 2025-06-04 09:44 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Waived- Client Waived with Compensating Factors. Exception to use invoices as the source of a large deposit noted in the business bank account in lieu of checks - Due Diligence Vendor-05/30/2025 |  | Waived-Exception to use invoices as the source of a large deposit noted in the business bank account in lieu of checks - Due Diligence Vendor-05/30/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.66 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.28 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | Minimum required FICO is 640; borrower's current FICO is 671.<br> • Borrower has over 6 months of reserves.<br> • DTI would be 8.578%, significantly below the maximum allowed DTI of 50%.<br> Housing history 0X30X12 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 839402 | xxxxxx | B A | Closed | xxxxxx | 2025-05-30 19:21 | 2025-06-04 09:44 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived- Client Waived with Compensating Factors. The subject property is located in a xxxxxx - Due Diligence Vendor-05/30/2025 |  | Waived- The subject property is located in a xxxxxx - Due Diligence Vendor-05/30/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.66 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.28 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | • Minimum required FICO is 640; borrower's current FICO is 671.<br> • Borrower has over 6 months of reserves.<br> • DTI would be 8.578%, significantly below the maximum allowed DTI of 50%.<br> Housing history 0X30X12 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 839404 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-25 15:12 | 2025-06-25 15:15 | Waived | 2 - Non-Material C B | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Waived- Client Waived with Compensating Factors. - Due Diligence Vendor-06/25/2025 <br> Open-Originator Exception approved for Borrower is Non-Permanent Resident Alien not eligible on the program. - Due Diligence Vendor-06/25/2025 |  |  | 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 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 682 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | Low Debt Ratio of 29.168% (less than 35%). Current FICO is 682 while min required is 660 exceeds minimum credit score requirement by at least 22 points. Borrower 100% owner of business and according to CPA/Licensed Tax Professional, the use of business funds for the down payment, closing costs and / or reserves will have no adverse effect on business. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 839404 | xxxxxx | C B A | Closed | xxxxxx | 2025-05-27 12:28 | 2025-05-30 15:55 | Waived | 2 - Non-Material B | Credit | Eligibility | Trade line count does not meet program requirements | Waived- Client Waived with Compensating Factors. Exception approved for not meeting the tradeline requirement of credit history covering 24 months. - Due Diligence Vendor-05/27/2025 |  | Waived-Exception approved for not meeting the tradeline requirement of credit history covering 24 months. - Due Diligence Vendor-05/27/2025<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 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 682 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | Low Debt Ratio of 29.168% (less than 35%). Current FICO is 682 while min required is 660 exceeds minimum credit score requirement by at least 22 points. Borrower 100% owner of business and according to CPA/Licensed Tax Professional, the use of business funds for the down payment, closing costs and / or reserves will have no adverse effect on business. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 839404 | xxxxxx | C B A | Closed | xxxxxx | 2025-05-30 15:49 | 2025-05-30 15:54 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived- Client Waived with Compensating Factors. Audited Reserves of 4.37 are less than Guideline Required Reserves of 6 Exception approval to allow the use of 2.5 months reserves instead of 6 months based on guideline. - Due Diligence Vendor-05/30/2025 |  | Waived-Audited Reserves of 4.37 are less than Guideline Required Reserves of 6 Exception approval to allow the use of 2.5 months reserves instead of 6 months based on guideline. - Due Diligence Vendor-05/30/2025 | 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 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 682 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | Low Debt Ratio of 29.168% (less than 35%). Current FICO is 682 while min required is 660 exceeds minimum credit score requirement by at least 22 points. Borrower 100% owner of business and according to CPA/Licensed Tax Professional, the use of business funds for the down payment, closing costs and / or reserves will have no adverse effect on business. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 839405 | xxxxxx | B A | Closed | xxxxxx | 2025-05-27 07:30 | 2025-05-27 07:44 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived- Client Waived with Compensating Factors. Primary Value Valuation Neighborhood Location Not Allowed for Program Lender exception for subject property located in xxxxxx. - Due Diligence Vendor-05/27/2025 | xxxxxx acres<br> Located in PUD - 05/27/2025 <br>| Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Lender exception for subject property located in xxxxxx. - Due Diligence Vendor-05/27/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 720 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 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 32.46% 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 21.71 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 - 15.25 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 - 12.21 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 | 10 months reserves<br> FICO of 745 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 839405 | xxxxxx | B A | Closed | xxxxxx | 2025-05-21 08:28 | 2025-05-27 07:44 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived- Client Waived with Compensating Factors. Incomplete housing history. Borrower was living rent-free in 2024 <br> - Due Diligence Vendor-05/21/2025 |  | Waived- Incomplete housing history. Borrower was living rent-free in 2024 <br> - Due Diligence Vendor-05/21/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 720 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 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 32.46% 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 21.71 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 - 15.25 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 - 12.21 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 | Reserves of 10 months post loan closing while min required are 6 months <br> Min FICO required is 680 while current FICO is 745 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 839407 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 839408 | xxxxxx | B A | Closed | xxxxxx | 2025-05-27 07:43 | 2025-05-27 07:43 | Waived | 2 - Non-Material B | Credit | Missing Doc | VOM or VOR missing/required | Waived- Client Waived with Compensating Factors. EXCEPTION FOR INCOMPLETE RENTAL PAYMENT. THE BORROWER IS PURCHASING THE SUBJECT PROPERTY FROM THE LANDLORD AND <br> GUIDELINES NEED A 24-MONTH PROOF RENT PAYMENT - Due Diligence Vendor-05/27/2025 |  | Waived-EXCEPTION FOR INCOMPLETE RENTAL PAYMENT. THE BORROWER IS PURCHASING THE SUBJECT PROPERTY FROM THE LANDLORD AND <br> GUIDELINES NEED A 24-MONTH PROOF RENT PAYMENT - Due Diligence Vendor-05/27/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.46 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 20.82% Is Less Than The Guideline Maximum Of 43% 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 - 7.28 Years | COMPENSATING FACTORS:<br> 1. DTI is 21.440%, max allowed is 43%<br> 2. Credit score is 799, minimum required is 660<br> 3. Payment shock is 151.314% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 839409 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-10 10:03 | 2025-07-10 11:19 | Resolved | 1 - Information C A | Credit | Income | Income documentation does not meet guidelines | Resolved-Documentation provided. Revised DTI exceeds guidelines. Separate DTI exception approved. - Due Diligence Vendor-07/10/2025 <br> Ready for Review-Document Uploaded. - Seller-06/03/2025 <br> Counter-Document Uploaded. xxxxxx Approved Updated Exception form provided - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. Attached is the insurance. Max DTI is 43%. We have exception approval at 45% DTI previously, we should not need another exception<br> - Seller-05/30/2025 <br> Counter-Missing HOI Policy for xxxxxx - DTI will Exceed Approved Exception in the Original file (page 1) Currently audited DTI is 47.84% with the Monthly Taxes included. - Due Diligence Vendor-05/28/2025 <br> Ready for Review-Document Uploaded. - Seller-05/27/2025 <br> Open-Missing property taxes and insurance information for rental property, xxxxxx, since only PI payment was used in underwriting additional lender exceptions for DTI will most likely result upon adding tax and insurance expenses or additional rental income information should be provided. - Due Diligence Vendor-05/10/2025 | Ready for Review-Document Uploaded. - Seller-06/03/2025 <br> Ready for Review-Document Uploaded. Attached is the insurance. Max DTI is 43%. We have exception approval at 45% DTI previously, we should not need another exception<br> - Seller-05/30/2025 <br> Ready for Review-Document Uploaded. - Seller-05/27/2025  | Resolved-Documentation provided. Revised DTI exceeds guidelines. Separate DTI exception approved. - Due Diligence Vendor-07/10/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.33 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.25 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 - 20.33 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 34.32% Is Below The Guideline Maximum Of 60% By Ten Percent (10%) Or More | LTV IS < 35%<br> PAYMENT SHOCK IS ONLY 128.148%<br> RESIDUAL INCOME IS $7,708.08.<br> FICO IS 734<br> ONLY HAS ONE OPEN REVOLVING ACCOUNT | Central APN.pdf<br> Property Tax.pdf<br> Central Insurance (004).pdf<br> xxxxxx Exception Form.jpg<br> EXCEPTION FORM - xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | NA | NA | xxxxxx |
| 839409 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-10 09:29 | 2025-07-08 20:53 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived- Client Waived with Compensating Factors. Audited DTI of 44.98% exceeds Guideline DTI of 43%. Origination exception granted for DTI of 45.045%. - Due Diligence Vendor-07/09/2025 |  | Waived-Audited DTI of 44.98% exceeds Guideline DTI of 43%. Origination exception granted for DTI of 45.045%. - Due Diligence Vendor-07/09/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.33 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.25 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 - 20.33 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 34.32% Is Below The Guideline Maximum Of 60% By Ten Percent (10%) Or More | LTV < 35%<br> FICO is 734<br> Payment shock is only 128.148%<br> Residual income is $7,708.08<br> Only has one open revolving account |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 839409 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-10 10:06 | 2025-05-28 14:59 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Document Uploaded. - Seller-05/14/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing final or verbal VVOE, google search information provided is for a xxxxxx company. Subject is in xxxxxx. CPA letter not found for company length of existance. - Due Diligence Vendor-05/10/2025 | Ready for Review-Document Uploaded. - Seller-05/14/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/15/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.33 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.25 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 - 20.33 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 34.32% Is Below The Guideline Maximum Of 60% By Ten Percent (10%) Or More |  | EXCEPTION FORM.pdf<br>PROFIT AND LOSS STATEMENT.pdf<br>CPA LETTER.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | NA | NA | xxxxxx |
| 839409 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-10 09:34 | 2025-05-10 09:34 | Waived | 2 - Non-Material B | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Waived- Client Waived with Compensating Factors. Lender exception to use W7 in lieu of an ITIN renewal letter. - Due Diligence Vendor-05/10/2025 |  | Waived-#4 Lender exception to use W7 in lieu of an ITIN renewal letter. - Due Diligence Vendor-05/10/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.33 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.25 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 - 20.33 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 34.32% Is Below The Guideline Maximum Of 60% By Ten Percent (10%) Or More | LTV < 35%<br> FICO is 734<br> Payment shock is only 128.148%<br> Residual income is $7,708.08<br> Only has one open revolving account |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 839409 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-07 11:21 | 2025-05-10 09:32 | Waived | 2 - Non-Material B | Credit | Missing Doc | VOM or VOR missing/required | Waived- Client Waived with Compensating Factors. EXCEPTION APPROVAL REQUIRED FOR LACK OF VOM FROM BORROWER ON SUBJECT PROPERTY. - Due Diligence Vendor-05/07/2025 |  | Waived-# 5 EXCEPTION APPROVAL REQUIRED FOR LACK OF VOM FROM BORROWER ON SUBJECT PROPERTY. - Due Diligence Vendor-05/07/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.33 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.25 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 - 20.33 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 34.32% Is Below The Guideline Maximum Of 60% By Ten Percent (10%) Or More | COMPENSATING FACTORS: <br> 1. LTV IS < 35%. 4. FICO IS 734. <br> 2. PAYMENT SHOCK IS ONLY 128.148%. 5. ONLY HAS ONE OPEN REVOLVING ACCOUNT <br> 3. RESIDUAL INCOME IS $7,708.08. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 839409 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-07 11:18 | 2025-05-10 09:31 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived- Client Waived with Compensating Factors. EXCEPTION APPROVAL REQUIRED FOR USE OF ONLY ONE FICO SCORE. 2 REQUIRED. - Due Diligence Vendor-05/07/2025 |  | Waived-# 3 EXCEPTION APPROVAL REQUIRED FOR USE OF ONLY ONE FICO SCORE. 2 REQUIRED. - Due Diligence Vendor-05/07/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.33 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.25 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 - 20.33 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 34.32% Is Below The Guideline Maximum Of 60% By Ten Percent (10%) Or More | COMPENSATING FACTORS: <br> 1. LTV IS < 35%. 4. FICO IS 734. <br> 2. PAYMENT SHOCK IS ONLY 128.148%. 5. ONLY HAS ONE OPEN REVOLVING ACCOUNT <br> 3. RESIDUAL INCOME IS $7,708.08. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 839409 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-10 09:29 | 2025-05-10 09:29 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived- Client Waived with Compensating Factors. Audited Reserves of 4.36 are less than Guideline Required Reserves of 8 #2 Lender exception for reserves - Due Diligence Vendor-05/10/2025 |  | Waived-Audited Reserves of 4.36 are less than Guideline Required Reserves of 8 #2 Lender exception for reserves - Due Diligence Vendor-05/10/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.33 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.25 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 - 20.33 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 34.32% Is Below The Guideline Maximum Of 60% By Ten Percent (10%) Or More | LTV < 35%<br> FICO is 734<br> Payment shock is only 128.148%<br> Residual income is $7,708.08<br> Only has one open revolving account |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 839410 | xxxxxx | C B A | Closed | xxxxxx | 2025-05-19 11:14 | 2025-07-09 22:10 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-07/10/2025 <br> Resolved-Borrower has 2 Fico scores both are 709. - per Guidelines: Max LTV is 80% for P/R Purchase, with a min Fico of 660 and Max Loan amount of $750,000.00 - Due Diligence Vendor-05/27/2025 <br> Ready for Review-Exception for loan amount and LTV are not required. Borrower has 2 FICO scores, both 709 from xxxxxx. Max LTV allowed is 80% and max loan amount is $750,000. - Seller-05/22/2025 <br> Counter-Document Uploaded. Provide an Approved Lender Exception for Audited LTV of 80% exceeds Guideline LTV of 60% for One Fico score of the Primary Wage earner - Due Diligence Vendor-05/22/2025 <br> Ready for Review-Document Uploaded. - Seller-05/21/2025 <br> Counter-The Lender Exception provided does not reflect an exception for Audited LTV of 80% exceeds Guideline LTV of 60% - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. - Seller-05/19/2025 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 60% Per xxxxxx guidelines "One FICO Score of the Primary Wage Earner Max LTV 60%, Max Loan Amount $300,000." No exception provided in file. - Due Diligence Vendor-05/19/2025 | Ready for Review-Exception for loan amount and LTV are not required. Borrower has 2 FICO scores, both 709 from xxxxxx. Max LTV allowed is 80% and max loan amount is $750,000. - Seller-05/22/2025 <br> Ready for Review-Document Uploaded. - Seller-05/21/2025 <br> Ready for Review-Document Uploaded. - Seller-05/19/2025 | Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-07/10/2025 <br>Resolved-Borrower has 2 Fico scores both are 709. - per Guidelines: Max LTV is 80% for P/R Purchase, with a min Fico of 660 and Max Loan amount of $750,000.00 - Due Diligence Vendor-05/27/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 709 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 13.72 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | EXCEPTION FORM.pdf<br>EXCEPTION FORM.pdf<br>Screenshot 2025-05-22 130646.jpg | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | NA | NA | xxxxxx |
| 839410 | xxxxxx | C B A | Closed | xxxxxx | 2025-05-19 11:14 | 2025-07-09 22:10 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Resolved-Audited Loan Amount of xxxxxx is less than or equal to the Guideline Maximum Loan Amount of $750000 - Due Diligence Vendor-07/10/2025 <br> Resolved-Borrower has 2 Fico scores both are 709. - per Guidelines: Max LTV is 80% for P/R Purchase, with a min Fico of 660 and Max Loan amount of $750,000.00 - Due Diligence Vendor-05/27/2025 <br> Ready for Review-Exception for loan amount and LTV are not required. Borrower has 2 FICO scores, both 709 from xxxxxx. Max LTV allowed is 80% and max loan amount is $750,000. - Seller-05/22/2025 <br> Counter-Document Uploaded. Provided an Approved Lender Exception for Loan Amount of xxxxxx is greater than the Guideline Maximum Loan Amount of $300,000 - Due Diligence Vendor-05/22/2025 <br> Ready for Review-Document Uploaded. - Seller-05/21/2025<br> Counter-the Lender exception that was provided does not address the Audited Loan Amount of xxxxxx is greater than the Guideline Maximum Loan Amount of $300,000 - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. - Seller-05/19/2025 <br> Open-Audited Loan Amount of xxxxxx is greater than the Guideline Maximum Loan Amount of $300000 Per xxxxxx guidelines "One FICO Score of the Primary Wage Earner Max LTV 60%, Max Loan Amount $300,000." No exception provided in file. - Due Diligence Vendor-05/19/2025 | Ready for Review-Exception for loan amount and LTV are not required. Borrower has 2 FICO scores, both 709 from xxxxxx. Max LTV allowed is 80% and max loan amount is $750,000. - Seller-05/22/2025 <br> Ready for Review-Document Uploaded. - Seller-05/21/2025 <br> Ready for Review-Document Uploaded. - Seller-05/19/2025 | Resolved-Audited Loan Amount of xxxxxx is less than or equal to the Guideline Maximum Loan Amount of $750000 - Due Diligence Vendor-07/10/2025 <br> Resolved-Borrower has 2 Fico scores both are 709. - per Guidelines: Max LTV is 80% for P/R Purchase, with a min Fico of 660 and Max Loan amount of $750,000.00 - Due Diligence Vendor-05/27/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 709 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 13.72 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | EXCEPTION FORM.pdf<br>EXCEPTION FORM.pdf<br>Screenshot 2025-05-22 130646.jpg | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | NA | NA | xxxxxx |
| 839410 | xxxxxx | C B A | Closed | xxxxxx | 2025-05-13 08:32 | 2025-05-19 11:26 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing Verification of Rent | Waived- Client Waived with Compensating Factors. EXCEPTION TO USE RENT RECEIPTS AS PROOF OF RENTAL HISTORY. BORROWER IS RENTING AND THE MONTHLY RENTAL IS MADE IN CASH. - Due Diligence Vendor-05/13/2025 |  | Waived-EXCEPTION TO USE RENT RECEIPTS AS PROOF OF RENTAL HISTORY. BORROWER IS RENTING AND THE MONTHLY RENTAL IS MADE IN CASH. - Due Diligence Vendor-05/13/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 709 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 13.72 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | 1. Credit Score is 709, minimum required is 660. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 839410 | xxxxxx | C B A | Closed | xxxxxx | 2025-05-19 11:26 | 2025-05-19 11:26 | Waived | 2 - Non-Material B | Credit | Income | Income documentation does not meet guidelines | Waived- Client Waived with Compensating Factors. EXCEPTION REQUIRED TO USE CO-MINGLED JOINT ACCOUNT FROM xxxxxx FOR INCOME ANALYSIS. BANK STATEMENT IS A CO-MINGLED <br> JOINT ACCOUNT WITH SPOUSE. - Due Diligence Vendor-05/19/2025 |  | Waived-EXCEPTION REQUIRED TO USE CO-MINGLED JOINT ACCOUNT FROM xxxxxx FOR INCOME ANALYSIS. BANK STATEMENT IS A CO-MINGLED <br> JOINT ACCOUNT WITH SPOUSE. - Due Diligence Vendor-05/19/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 709 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 13.72 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | Credit Score is 709, minimum required is 660. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 839410 | xxxxxx | C B A | Closed | xxxxxx | 2025-05-13 08:37 | 2025-05-19 11:23 | Waived | 2 - Non-Material B | Credit | Eligibility | Trade line count does not meet program requirements | Waived- Client Waived with Compensating Factors. EXCEPTION FOR NOT MEETING THE MINIMUM TRADELINE REQUIREMENTS. BORROWER ONLY HAS 1 OPEN TRADELINE REPORTING FOR 12 MONTHS. - Due Diligence Vendor-05/13/2025 |  | Waived-EXCEPTION FOR NOT MEETING THE MINIMUM TRADELINE REQUIREMENTS. BORROWER ONLY HAS 1 OPEN TRADELINE REPORTING FOR 12 MONTHS. - Due Diligence Vendor-05/13/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 709 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 13.72 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | 1. Credit Score is 709, minimum required is 660. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 839410 | xxxxxx | C B A | Closed | xxxxxx | 2025-05-13 08:37 | 2025-05-19 11:23 | Waived | 2 - Non-Material B | Credit | Eligibility | Payment Shock Does Not Meet Guideline Requirements | Waived- Client Waived with Compensating Factors. EXCEPTION FOR PAYMENT SHOCK EXCEEDS THE 200% MAX ALLOWED. CURRENT PAYMENT SHOCK IS 281.983 - Due Diligence Vendor-05/13/2025 |  | Waived-EXCEPTION FOR PAYMENT SHOCK EXCEEDS THE 200% MAX ALLOWED. CURRENT PAYMENT SHOCK IS 281.983 - Due Diligence Vendor-05/13/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 709 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 13.72 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | 1. Credit Score is 709, minimum required is 660. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 839410 | xxxxxx | C B A | Closed | xxxxxx | 2025-05-13 08:41 | 2025-05-19 11:21 | Waived | 2 - Non-Material B | Credit | Eligibility | Seller Contribution Exceeds Program Maximum | Waived- Client Waived with Compensating Factors. EXCEPTION FOR NO 10% BORROWER CONTRIBUTION. - Due Diligence Vendor-05/13/2025 |  | Waived-EXCEPTION FOR NO 10% BORROWER CONTRIBUTION. - Due Diligence Vendor-05/13/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 709 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 13.72 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | 1. Credit Score is 709, minimum required is 660. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 839410 | xxxxxx | C B A | Closed | xxxxxx | 2025-05-19 11:20 | 2025-05-19 11:20 | Waived | 2 - Non-Material B | Credit | Borrower | Borrower Identification Documentation Partially Provided | Waived- Client Waived with Compensating Factors. EXCEPTION REQUIRED TO USE SIGNED W-7 FORM FOR EXPIRED ITIN WITH NOTICE DATE 4/8/2019 - Due Diligence Vendor-05/19/2025 |  | Waived-EXCEPTION REQUIRED TO USE SIGNED W-7 FORM FOR EXPIRED ITIN WITH NOTICE DATE 4/8/2019 - Due Diligence Vendor-05/19/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 709 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 13.72 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | Credit Score is 709, minimum required is 660. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 839410 | xxxxxx | C B A | Closed | xxxxxx | 2025-05-19 11:17 | 2025-05-19 11:17 | Waived | 2 - Non-Material B | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived- Client Waived with Compensating Factors. Income and Employment Do Not Meet Guidelines EXCEPTION TO USE INCOME FROM P&L FOR INCOME QUALIFICATION. PER GUIDELINES, USE THE LOWER OF THE NET INCOME INDICATED ON THE P&L OR INCOME INDICATED IN 1003 - Due Diligence Vendor-05/19/2025 |  | Waived-Income and Employment Do Not Meet Guidelines EXCEPTION TO USE INCOME FROM P&L FOR INCOME QUALIFICATION. PER GUIDELINES, USE THE LOWER OF THE NET INCOME INDICATED ON THE P&L OR INCOME INDICATED IN 1003 - Due Diligence Vendor-05/19/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 709 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 13.72 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | Credit Score is 709, minimum required is 660. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 839411 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-09 21:41 | 2025-07-09 21:43 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived- Client Waived with Compensating Factors. Approved Lender Exception: Exception required for the property is in the xxxxxx. As per guidelines, xxxxxx property is ineligible. - Due Diligence Vendor-07/10/2025 |  | Waived-Approved Lender Exception: Exception required for the property is in the xxxxxx. As per guidelines, xxxxxx property is ineligible. - Due Diligence Vendor-07/10/2025 | 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>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 - 6.87 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 - 5.45 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.5 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | Payment shock of 70%. <br> Post closing reserves of 21.96 months. <br> FICO score of 650 is 10 points higher than minimum required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 839411 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-26 11:20 | 2025-05-12 13:59 | Resolved | 1 - Information D A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-05/12/2025 <br> Ready for Review-Document Uploaded. - Seller-05/09/2025 <br> Counter-B2 is living rent free with B1 (both married but not to each other) B1 and their spouse pays for the Rent which proof of rental payments were provided. however the file does not contain a Rent free letter for B2. - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. - Seller-05/01/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing Rent Free letter for B2. - Due Diligence Vendor-04/26/2025 | Ready for Review-Document Uploaded. - Seller-05/09/2025 <br>Ready for Review-Document Uploaded. - Seller-05/01/2025<br>| Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-05/12/2025<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>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 - 6.87 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 - 5.45 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.5 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Escrow Instrcution _Purchase Contract - xxxxxx.pdf<br> xxxxxx rent free letter.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | NA | NA | xxxxxx |
| 839411 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-25 09:49 | 2025-05-01 15:00 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Signed Purchase contract provided. - Due Diligence Vendor-05/01/2025 <br> Counter-Missing Signed Purchase Contract - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. - Seller-04/28/2025 <br> Open-Purchase Contract Is Missing. - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. - Seller-04/28/2025<br>| Resolved-Signed Purchase contract provided. - Due Diligence Vendor-05/01/2025<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>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 - 6.87 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 - 5.45 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.5 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | PURCHASE AGREEMENT (REQUIRED ON PURCH ONLY) (1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | NA | NA | xxxxxx |
| 839411 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-26 11:42 | 2025-04-29 12:25 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Gift of Equity Letter provided. - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. - Seller-04/28/2025 <br> Open-Missing Gift of Equity donor letter. - Due Diligence Vendor-04/26/2025 | Ready for Review-Document Uploaded. - Seller-04/28/2025<br>| Resolved-Gift of Equity Letter provided. - Due Diligence Vendor-04/29/2025<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>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 - 6.87 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 - 5.45 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.5 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | GIFT LETTER _ AHP-FHR GIFT LETTER.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | NA | NA | xxxxxx |
| 839411 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-04-25 09:49 | 2025-04-26 11:37 | Waived | 2 - Non-Material B | Credit | Eligibility | Transaction is not arm's length | Waived- Client Waived with Compensating Factors. Non-Arm's Length Transaction Exception required as transaction is non-arm's length. Per guideline, FSBO must be arm's length. Buyer and Seller are related and transaction is not an open-market listing- Due Diligence Vendor-04/25/2025 |  | Waived-Non-Arm's Length Transaction Exception required as transaction is non-arm's length. Per guideline, FSBO must be arm's length. - Due Diligence Vendor-04/25/2025<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>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 - 6.87 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 - 5.45 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.5 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | Payment shock of 70%. Post closing reserves of 21.96 months. FICO score of 650 is 10 points higher than minimum required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 839411 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-25 10:49 | 2025-04-26 11:37 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- Client Waived with Compensating Factors. Audited LTV of 65% exceeds Guideline LTV of 50% Exception to allow LTV of 65%, as per guidelines purchase between family members has 15% LTV reduction, max LTV allowed is 50%. - Due Diligence Vendor-04/25/2025 |  | Waived-Audited LTV of 65% exceeds Guideline LTV of 50% Exception to allow LTV of 65%, as per guidelines purchase between family members has 15% LTV reduction, max LTV allowed is 50%. - Due Diligence Vendor-04/25/2025<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>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 - 6.87 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 - 5.45 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.5 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | Payment shock of 70%. Post closing reserves of 21.96 months. FICO score of 650 is 10 points higher than minimum required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 839411 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-25 10:50 | 2025-04-26 11:36 | Waived | 2 - Non-Material B | Credit | Eligibility | Residual Income Does Not Meet Guideline Requirements | Waived- Client Waived with Compensating Factors. Exception for not meeting residual income of $3,500. Current residual income is $2,249.81. - Due Diligence Vendor-07/10/2025 |  | Waived-Exception for not meeting residual income of $3,500. Current residual income is $2,249.81. - Due Diligence Vendor-07/10/2025<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>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 - 6.87 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 - 5.45 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.5 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | Payment shock of 70%. Post closing reserves of 21.96 months. FICO score of 650 is 10 points higher than minimum required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 839411 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-25 10:51 | 2025-04-26 11:36 | Waived | 2 - Non-Material B | Credit | Eligibility | Collections, liens or judgments not paid at closing | Waived- Client Waived with Compensating Factors. Exception approved not to pay off collection accounts with aggregate balance of $3,229, per guideline, collection accounts must be paid off. - Due Diligence Vendor-04/25/2025 |  | Waived-Exception approved not to pay off collection accounts with aggregate balance of $3,229, per guideline, collection accounts must be paid off. - Due Diligence Vendor-04/25/2025<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>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 - 6.87 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 - 5.45 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.5 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | Payment shock of 70%. Post closing reserves of 21.96 months. FICO score of 650 is 10 points higher than minimum required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 839411 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-04-25 10:49 | 2025-04-26 11:35 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived- Client Waived with Compensating Factors. Audited DTI of 48.06% exceeds Guideline DTI of 43% Exception approved for DTI over 43%. Current DTI is 45.517%. - Due Diligence Vendor-04/25/2025 |  | Waived-Audited DTI of 48.06% exceeds Guideline DTI of 43% Exception approved for DTI over 43%. Current DTI is 45.517%. - Due Diligence Vendor-04/25/2025 | 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>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 - 6.87 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 - 5.45 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.5 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | Payment shock of 70%. Post closing reserves of 21.96 months. FICO score of 650 is 10 points higher than minimum required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 839412 | xxxxxx | -- B A | Closed | xxxxxx | 2025-05-07 10:57 | 2025-05-10 13:29 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived- Client Waived with Compensating Factors. EXCEPTION APPROVAL REQUIRED FOR EXCEEDING 43% DTI. CURRENT DTI IS 49.85% - Due Diligence Vendor-05/07/2025 |  | Waived-EXCEPTION APPROVAL REQUIRED FOR EXCEEDING 43% DTI. CURRENT DTI IS 49.85% - Due Diligence Vendor-05/07/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.16 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 - 13.26 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 794 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | 1. FICO is 794. Minimum required FICO is 640.<br> 2. Payment Shock is only 137.386%.<br> 3. Purchasing property for < Appraised Value.<br> 4. Borrower has been Self-Employed > 10 years. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 839412 | xxxxxx | B A | Closed | xxxxxx | 2025-05-07 10:59 | 2025-05-10 13:28 | Waived | 2 - Non-Material B | Credit | Income | Income/Employment General | Waived- Client Waived with Compensating Factors. EXCEPTION APPROVAL REQUIRED FOR USE OF BROKER PROVIDED TAX TRANSCRIPTS - Due Diligence Vendor-05/07/2025 |  | Waived-EXCEPTION APPROVAL REQUIRED FOR USE OF BROKER PROVIDED TAX TRANSCRIPTS - Due Diligence Vendor-05/07/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.16 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 - 13.26 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 794 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | 1. FICO is 794. Minimum required FICO is 640.<br> 2. Payment Shock is only 137.386%.<br> 3. Purchasing property for < Appraised Value.<br> 4. Borrower has been Self-Employed > 10 years. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 839412 | xxxxxx | B A | Closed | xxxxxx | 2025-05-10 13:28 | 2025-05-10 13:28 | Waived | 2 - Non-Material B | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived- Client Waived with Compensating Factors. Lender exception for rent paid in cash from May 2024 to October 2024; Cancelled checks provided Nov 2024- April 2025. - Due Diligence Vendor-05/10/2025 |  | Waived-#4 Lender exception for rent paid in cash from May 2024 to October 2024; Cancelled checks provided Nov 2024- April 2025. - Due Diligence Vendor-05/10/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.16 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 - 13.26 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 794 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | FICO of 794, minimum is 640<br> Payment shock of 137.386%<br> Purchasing property < appraised value<br> Borrower self employed > 10 years |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 839413 | xxxxxx | C B A | Closed | xxxxxx | 2025-05-15 07:39 | 2025-05-23 10:13 | Resolved | 1 - Information C A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-05/23/2025 <br> Ready for Review-Document Uploaded. - Seller-05/22/2025 <br> Open-Total Liquid Assets Available for Close of $2603.98 is less than Total Cash to Close $42620.24. - Due Diligence Vendor-05/15/2025 | Ready for Review-Document Uploaded. - Seller-05/22/2025<br>| Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-05/23/2025<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>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 - 10.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | EXCEPTION FORM.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | NA | NA | xxxxxx |
| 839413 | xxxxxx | C B A | Closed | xxxxxx | 2025-05-15 07:40 | 2025-05-21 20:43 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived- Client Waived with Compensating Factors. Audited Reserves of are less than Guideline Required Reserves of 6 Exception to use 3 months reserves instead of 6 months PITIA - Due Diligence Vendor-05/15/2025 |  | Waived-Audited Reserves of are less than Guideline Required Reserves of 6 Exception to use 3 months reserves instead of 6 months PITIA - Due Diligence Vendor-05/15/2025<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>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 - 10.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | · FICO 710 <br> · Borrower is running the business for over 3 years |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 839413 | xxxxxx | C B A | Closed | xxxxxx | 2025-05-15 07:43 | 2025-05-15 07:43 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived- Client Waived with Compensating Factors. Exception required for mortgagee is being liable for delinquent assessments for >6 months in case of foreclosure or deed in lieu - Due Diligence Vendor-05/15/2025 |  | Waived-Exception required for mortgagee is being liable for delinquent assessments for >6 months in case of foreclosure or deed in lieu - Due Diligence Vendor-05/15/2025<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>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 - 10.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | · FICO 710 <br> · Borrower is running the business for over 3 years |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 839420 | xxxxxx | D A | Closed | xxxxxx | 2025-06-03 12:40 | 2025-06-06 16:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. Missing Lender Worksheet or Bank Statement Summary so we provided UW worksheet and asset summary worksheet uploaded - Seller-06/05/2025 <br> Counter-Condition states Missing 24 Month Income Bank statement worksheet used for income qualifications. - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. - Seller-06/03/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. Missing Lender Worksheet or Bank Statement Summary so we provided UW worksheet and asset summary worksheet uploaded - Seller-06/05/2025 <br>Ready for Review-Document Uploaded. - Seller-06/03/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-06/06/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.4% 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 166.24 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 - 6.33 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<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 - 5.25 Years |  | UNDERWRITING WORKSHEET.pdf<br>ASSET SUMMARY FORM.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | NA | NA | xxxxxx |
| 839421 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-03 15:31 | 2025-06-05 14:57 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. - Seller-06/04/2025 <br> Open-Appraisal is Missing Appraisal Form 1004 was not provided. - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. - Seller-06/04/2025<br>| Resolved-Appraisal has been provided - Due Diligence Vendor-06/05/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Exception to allow 5 months of reserves, as per guidelines 6 months of reserves is required<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.42% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 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 0.03 |  | APPRAISAL.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | NA | NA | xxxxxx |
| 839421 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-03 15:34 | 2025-06-05 14:53 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. - Seller-06/04/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. - Seller-06/04/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/05/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Exception to allow 5 months of reserves, as per guidelines 6 months of reserves is required<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.42% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 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 0.03 |  | VERBAL VOE BORROWER.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | NA | NA | xxxxxx |
| 839421 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-03 15:32 | 2025-06-05 14:51 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Partially Provided | Resolved-Flood Certificate is fully present - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. - Seller-06/04/2025 <br> Open-Flood Certificate is Partially Provided The Flood Cert is partially legible. Provide clear copy of flood cert. - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. - Seller-06/04/2025<br>| Resolved-Flood Certificate is fully present - Due Diligence Vendor-06/05/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Exception to allow 5 months of reserves, as per guidelines 6 months of reserves is required<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.42% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 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 0.03 |  | FLOOD CERT.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | NA | NA | xxxxxx |
| 839421 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-03 15:32 | 2025-06-05 14:51 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. - Seller-06/04/2025 <br> Open-Missing Hazard Insurance Policy - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. - Seller-06/04/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/05/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Exception to allow 5 months of reserves, as per guidelines 6 months of reserves is required<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.42% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 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 0.03 | Evidence of hazard insurance was not provided. | HAZARD INSURANCE.pdf<br>RCE.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | NA | NA | xxxxxx |
| 839421 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-03 15:32 | 2025-06-05 14:51 | Resolved | 1 - Information C A | Credit | Insurance | Named Insured on Hazard Insurance does not match Borrower(s) Name(s) | Resolved-Named Insured matches Borrower(s) Name(s) - Due Diligence Vendor-06/05/2025 <br>Ready for Review-Property is under borrowers LLC - Seller-06/04/2025 <br>Open-Named Insured does not match Borrower(s) Name(s) - Due Diligence Vendor-06/03/2025 | Ready for Review-Property is under borrowers LLC - Seller-06/04/2025<br>| Resolved-Named Insured matches Borrower(s) Name(s) - Due Diligence Vendor-06/05/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Exception to allow 5 months of reserves, as per guidelines 6 months of reserves is required<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.42% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 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 0.03 |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | NA | NA | xxxxxx |
| 839421 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-03 15:32 | 2025-06-05 14:51 | Resolved | 1 - Information C A | Credit | Insurance | Subject Property Address on Note does not match Insured Property Address | Resolved-Subject Property on Note matches Insured Property Address - Due Diligence Vendor-06/05/2025 <br> Ready for Review-It does match please relook at this. xxxxxx on note and same on appraisal. - Seller-06/04/2025 <br> Open-Subject Property on Note does not match Insured Property Address - Due Diligence Vendor-06/03/2025 | Ready for Review-It does match please relook at this. xxxxxx on note and same on appraisal. - Seller-06/04/2025 | Resolved-Subject Property on Note matches Insured Property Address - Due Diligence Vendor-06/05/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Exception to allow 5 months of reserves, as per guidelines 6 months of reserves is required<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.42% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 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 0.03 |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | NA | NA | xxxxxx |
| 839421 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-05-30 19:03 | 2025-05-30 19:03 | Waived | 2 - Non-Material B | Credit | Eligibility | Transaction is not arm's length | Waived- Client Waived with Compensating Factors. Transaction is not arm's length Exception required as transaction is non-arm's length. Per guideline, FSBO must be arm's length, Buyer and Seller are related and transaction is not an open-market listing - Due Diligence Vendor-05/30/2025 |  | Waived-Transaction is not arm's length Exception required as transaction is non-arm's length. Per guideline, FSBO must be arm's length - Due Diligence Vendor-05/30/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Exception to allow 5 months of reserves, as per guidelines 6 months of reserves is required<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.42% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 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 0.03 | Low DTI of 30.968%<br> Fico of 762 is 102 points higher than minimum required<br> Low LTV of 75% |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 839422 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 839465 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 839478 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 839595 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 839675 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 839691 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 839744 | xxxxxx | D A | Closed | xxxxxx | 2025-06-18 15:27 | 2025-06-24 14:18 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. appraisal and ssr's - Buyer-06/23/2025 <br> Counter-The Appraisal that was provided is for xxxxxx and the Condition is asking for the Subject Property Appraisal for xxxxxx - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. Appraisal - Buyer-06/20/2025 <br> Open-Appraisal is Missing - Due Diligence Vendor-06/19/2025 <br> Open- - Due Diligence Vendor-06/18/2025 |  | Resolved-Appraisal has been provided - Due Diligence Vendor-06/24/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 85.71 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 700 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 - 12.08 Years |  | xxxxxx appraisal.pdf<br> xxxxxx SSR.pdf<br> xxxxxx appraisal.pdf<br> xxxxxx SSR.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | NA | NA | xxxxxx |
| 839744 | xxxxxx | D A | Closed | xxxxxx | 2025-06-20 10:50 | 2025-06-23 14:49 | Resolved | 1 - Information C A | Property | Third Party Valuation | Valuation review product does not support the original appraisal within -10.0% | Resolved-Desk review provided - Due Diligence Vendor-06/23/2025 <br>Ready for Review-Document Uploaded. CDA - Buyer-06/20/2025 <br>Open-Third party valuation is missing from the loan file. - Due Diligence Vendor-06/20/2025 |  | Resolved-Desk review provided - Due Diligence Vendor-06/23/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 85.71 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 700 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 - 12.08 Years |  | xxxxxx CDA.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | NA | NA | xxxxxx |
| 839749 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 839789 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 839915 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 839967 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 839982 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-19 10:19 | 2025-06-24 11:28 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | 1-4 Family Rider is Missing | Resolved-ALR provided - Due Diligence Vendor-06/24/2025 <br>Ready for Review-Document Uploaded. DOT with all riders - Buyer-06/20/2025 <br>Open-1-4 Family Rider is Missing Assignment of Leases and Rents not in file and not incorporated in deed. - Due Diligence Vendor-06/19/2025 |  | Resolved-ALR provided - Due Diligence Vendor-06/24/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68.51 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.71% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | MORTGAGE - 061225145220789.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 839982 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-19 09:35 | 2025-06-19 09:35 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived- Client Waived with Compensating Factors. No ownership of primary residence requires and exception - Borrower currently pays rent as his primary and has a history of renting. This is a cashout refinance. Exception approved, subject property is a xxxxxx unit rental property as verified by the appraisal. Borrowers current primary (he rents) is a high end property per review on line. No indication this borrower is living in the subject. - Due Diligence Vendor-06/19/2025 |  | Waived-No ownership of primary residence requires and exception - Borrower currently pays rent as his primary and has a history of renting. This is a cashout refinance. Exception approved, subject property is a xxxxxx unit rental property as verified by the appraisal. Borrowers current primary (he rents) is a high end property per review on line. No indication this borrower is living in the subject. - Due Diligence Vendor-06/19/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68.51 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.71% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More | None provided. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 840144 | xxxxxx | D A C | Closed | xxxxxx | 2025-06-23 03:17 | 2025-06-30 16:35 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/30/2025 <br>Ready for Review-Document Uploaded. PLEASE SEE ATTACHED - Seller-06/26/2025 <br>Counter-Missing Subject Loan HOI Policy - Due Diligence Vendor-06/26/2025 <br>Ready for Review-Document Uploaded. Please see insurance attached - Seller-06/24/2025 <br>Open-Missing Hazard Insurance Policy. - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. PLEASE SEE ATTACHED - Seller-06/26/2025 <br>Ready for Review-Document Uploaded. Please see insurance attached - Seller-06/24/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/30/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 6.33% 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 56.25% 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 97.52 Are Greater Than The Guideline Minimum Of 3 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 - 17.66 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 730 is Greater Than The Guideline Minimum Of 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 - 37.61 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 - 37.60 Years |  | INSURANCE-.pdf<br>HAZARD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 840144 | xxxxxx | D A C | Closed | xxxxxx | 2025-06-23 02:08 | 2025-06-26 13:09 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-06/26/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-06/24/2025 <br>Open-Title Document is missing Missing Prelim Title. - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-06/24/2025<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-06/26/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 6.33% 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 56.25% 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 97.52 Are Greater Than The Guideline Minimum Of 3 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 - 17.66 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 730 is Greater Than The Guideline Minimum Of 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 - 37.61 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 - 37.60 Years |  | Title commitment.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 840144 | xxxxxx | D A C | Closed | xxxxxx | 2025-06-23 02:21 | 2025-06-26 13:06 | Resolved | 1 - Information C A | Property | Appraisal | The appraiser was not licensed (Primary Value) | 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-06/26/2025 <br> Ready for Review-Document Uploaded. Please see attached. Appraisal effective date is xxxxxx and appraiser license expiration date is xxxxxx, which means license was valid till appraisal date. - Seller-06/24/2025 <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-06/23/2025 | Ready for Review-Document Uploaded. Please see attached. Appraisal effective date is xxxxxx and appraiser license expiration date is xxxxxx, which means license was valid till appraisal date. - Seller-06/24/2025 | 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-06/26/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 6.33% 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 56.25% 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 97.52 Are Greater Than The Guideline Minimum Of 3 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 - 17.66 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 730 is Greater Than The Guideline Minimum Of 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 - 37.61 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 - 37.60 Years |  | appraiser.jpg | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | NA | NA | xxxxxx |
| 840188 | xxxxxx | B A | Closed | xxxxxx | 2025-04-09 12:54 | 2025-07-09 22:03 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- Client Waived with Compensating Factors. Audited LTV of 80% exceeds Guideline LTV of 75% EXCEPTION REQUIRED FOR 80% LTV. MAX LTV FOR FTHB w/o 12 MONTH HOUSING HISTORY IS 75% LTV. - Due Diligence Vendor-04/09/2025 |  | Waived-Audited LTV of 80% exceeds Guideline LTV of 75% EXCEPTION REQUIRED FOR 80% LTV. MAX LTV FOR FTHB w/o 12 MONTH HOUSING HISTORY IS 75% LTV. - Due Diligence Vendor-04/09/2025<br>| Residual Income Greater Than Minimum Guideline Requirement - Residual Income of $7,638.25 Exceeds Guideline Requirements for Residual Income of $2500 by Greater Than $5000.<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.8% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More | 1. DTI is < 35%. <br> 2. High Residual Income <br> 3. Although not considered, Payment Shock is only 133.437% <br> 4. Borrower has over 8 months in Reserves. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 840192 | xxxxxx | B A | Closed | xxxxxx | 2025-05-30 12:39 | 2025-06-04 07:41 | Waived | 2 - Non-Material B | Credit | Eligibility | Trade line count does not meet program requirements | Waived- Client Waived with Compensating Factors. Did not meet the minimum tradeline requirement by the program. There is no active/open tradeline - Due Diligence Vendor-05/30/2025 |  | Waived-Did not meet the minimum tradeline requirement by the program. There is no active/open tradeline - Due Diligence Vendor-05/30/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.44% Is Less Than The Guideline Maximum Of 43% 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 - 22.33 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 751 is Greater Than The Guideline Minimum Of 720 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 - 22.37 Years | · Property is not income producing<br> · Property conforms with neighborhood<br> · DTI is 35.438%<br> · Payment shock less than 100% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 840192 | xxxxxx | B A | Closed | xxxxxx | 2025-05-30 12:40 | 2025-06-04 07:41 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived- Client Waived with Compensating Factors. Exception required for the location. xxxxxx property - Due Diligence Vendor-05/30/2025 |  | Waived-Exception required for the location. xxxxxx property - Due Diligence Vendor-05/30/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.44% Is Less Than The Guideline Maximum Of 43% 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 - 22.33 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 751 is Greater Than The Guideline Minimum Of 720 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 - 22.37 Years | · Property is not income producing<br> · Property conforms with neighborhood<br> · DTI is 35.438%<br> · Payment shock less than 100% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 840192 | xxxxxx | B A | Closed | xxxxxx | 2025-05-30 12:41 | 2025-06-04 07:41 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived- Client Waived with Compensating Factors. xxxxxx loan amount exceeds the maximum $750,000 allowed by the program - Due Diligence Vendor-05/30/2025 |  | Waived-xxxxxx loan amount exceeds the maximum $750,000 allowed by the program - Due Diligence Vendor-05/30/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.44% Is Less Than The Guideline Maximum Of 43% 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 - 22.33 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 751 is Greater Than The Guideline Minimum Of 720 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 - 22.37 Years | · Property is not income producing<br> · Property conforms with neighborhood<br> · DTI is 35.438%<br> · Payment shock less than 100% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 840192 | xxxxxx | B A | Closed | xxxxxx | 2025-05-30 12:43 | 2025-06-04 07:41 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived- Client Waived with Compensating Factors. Exception to allow 2 months of reserves. As per guidelines, 6 months of reserves is required. - Due Diligence Vendor-05/30/2025 |  | Waived-Exception to allow 2 months of reserves. As per guidelines, 6 months of reserves is required. - Due Diligence Vendor-05/30/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.44% Is Less Than The Guideline Maximum Of 43% 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 - 22.33 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 751 is Greater Than The Guideline Minimum Of 720 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 - 22.37 Years | · Property is not income producing<br> · Property conforms with neighborhood<br> · DTI is 35.438%<br> · Payment shock less than 100% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 840194 | xxxxxx | B A | Closed | xxxxxx | 2025-06-05 11:06 | 2025-06-07 00:08 | Waived | 2 - Non-Material B | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived- Client Waived with Compensating Factors. Exceptions required approval as borrower is paying in cash rent for current residence with pending VOR and LOE from the borrower. - Due Diligence Vendor-06/05/2025 |  | Waived-Exceptions required approval as borrower is paying in cash rent for current residence with pending VOR and LOE from the borrower. - Due Diligence Vendor-06/05/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.47% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.42 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | Borrower FICO score is 727, maximum score for program is 640 - exceeds minimum credit score requirement by at least 87 points. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 840194 | xxxxxx | B A | Closed | xxxxxx | 2025-06-07 00:07 | 2025-06-07 00:07 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived- Client Waived with Compensating Factors. Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 225000 Lender exception for not meeting minimum loan size of $225,000 in xxxxxx - Due Diligence Vendor-06/07/2025 |  | Waived-Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 225000 Lender exception for not meeting minimum loan size of $225,000 in xxxxxx - Due Diligence Vendor-06/07/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.47% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.42 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | FICO score of 727 exceeds 640 program minimum by 87 points |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 840195 | xxxxxx | B A | Closed | xxxxxx | 2025-06-06 07:46 | 2025-06-06 07:46 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived- Client Waived with Compensating Factors. Exception to allow 1-month reserves. Per guideline reserves requirement is 3 months of pitia - Due Diligence Vendor-06/06/2025 |  | Waived-Exception to allow 1-month reserves. Per guideline reserves requirement is 3 months of pitia - Due Diligence Vendor-06/06/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.82% 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 0.16<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.29% Is Below The Guideline Maximum Of 89% By Ten Percent (10%) Or More | Payment shock of 124.938%<br> Debt ratio of 32.109% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 840200 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 840578 | xxxxxx | A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |

---

## Exhibit 99.11

**EXHIBIT 99.11**

**CANOPY RATING AGENCY GRADES**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 830486 | xxxxxx |  | xxxxxx D A |
| 830529 | xxxxxx |  | xxxxxx A C |
| 830706 | xxxxxx |  | xxxxxx A |
| 831432 | xxxxxx |  | xxxxxx A |
| 831515 | xxxxxx |  | xxxxxx D A |
| 831966 | xxxxxx |  | xxxxxx C A B |
| 832499 | xxxxxx |  | xxxxxx C A B |
| 832626 | xxxxxx |  | xxxxxx C A D B |
| 832680 | xxxxxx |  | xxxxxx B A |
| 832708 | xxxxxx |  | xxxxxx C NA |
| 832860 | xxxxxx |  | xxxxxx A |
| 833075 | xxxxxx |  | xxxxxx A |
| 833134 | xxxxxx |  | xxxxxx D A |
| 833223 | xxxxxx |  | xxxxxx D NA C |
| 833267 | xxxxxx |  | xxxxxx B A |
| 833489 | xxxxxx |  | xxxxxx D A |
| 833595 | xxxxxx |  | xxxxxx B A |
| 833683 | xxxxxx |  | xxxxxx D A |
| 833709 | xxxxxx |  | xxxxxx A |
| 833723 | xxxxxx |  | xxxxxx B D A |
| 833769 | xxxxxx |  | xxxxxx A NA |
| 833772 | xxxxxx |  | xxxxxx A |
| 833825 | xxxxxx |  | xxxxxx A |
| 833865 | xxxxxx |  | xxxxxx D A |
| 833886 | xxxxxx |  | xxxxxx A |
| 834029 | xxxxxx |  | xxxxxx D A |
| 834121 | xxxxxx |  | xxxxxx A |
| 834155 | xxxxxx |  | xxxxxx A |
| 834218 | xxxxxx |  | xxxxxx A NA C |
| 834251 | xxxxxx |  | xxxxxx C A B |
| 834270 | xxxxxx |  | xxxxxx A |
| 834304 | xxxxxx |  | xxxxxx A |
| 834312 | xxxxxx |  | xxxxxx D A |
| 834324 | xxxxxx |  | xxxxxx D A |
| 834392 | xxxxxx |  | xxxxxx A |
| 834422 | xxxxxx |  | xxxxxx D A B |
| 834434 | xxxxxx |  | xxxxxx A NA |
| 834443 | xxxxxx |  | xxxxxx A |
| 834453 | xxxxxx |  | xxxxxx B A |
| 834459 | xxxxxx |  | xxxxxx D A |
| 834470 | xxxxxx |  | xxxxxx A |
| 834487 | xxxxxx |  | xxxxxx A |
| 834673 | xxxxxx |  | xxxxxx A NA |
| 834675 | xxxxxx |  | xxxxxx A NA |
| 834777 | xxxxxx |  | xxxxxx A C |
| 834794 | xxxxxx |  | xxxxxx B A |
| 834798 | xxxxxx |  | xxxxxx A D |
| 834876 | xxxxxx |  | xxxxxx C A B |
| 834878 | xxxxxx |  | xxxxxx C A B |
| 835102 | xxxxxx |  | xxxxxx A |
| 835123 | xxxxxx |  | xxxxxx A |
| 835127 | xxxxxx |  | xxxxxx D A |
| 835154 | xxxxxx |  | xxxxxx A |
| 835174 | xxxxxx |  | xxxxxx D A |
| 835204 | xxxxxx |  | xxxxxx D NA |
| 835222 | xxxxxx |  | xxxxxx A C |
| 835261 | xxxxxx |  | xxxxxx A |
| 835354 | xxxxxx |  | xxxxxx C A B |
| 835374 | xxxxxx |  | xxxxxx B D A |
| 835377 | xxxxxx |  | xxxxxx B A |
| 835378 | xxxxxx |  | xxxxxx B A |
| 835381 | xxxxxx |  | xxxxxx B A |
| 835382 | xxxxxx |  | xxxxxx B A |
| 835385 | xxxxxx |  | xxxxxx A |
| 835492 | xxxxxx |  | xxxxxx B D A |
| 835507 | xxxxxx |  | xxxxxx D A |
| 835573 | xxxxxx |  | xxxxxx D A B |
| 835628 | xxxxxx |  | xxxxxx A |
| 835665 | xxxxxx |  | xxxxxx D A |
| 835666 | xxxxxx |  | xxxxxx D A |
| 835800 | xxxxxx |  | xxxxxx A |
| 835971 | xxxxxx |  | xxxxxx C A B |
| 835975 | xxxxxx |  | xxxxxx B A D |
| 836040 | xxxxxx |  | xxxxxx B NA |
| 836120 | xxxxxx |  | xxxxxx A |
| 836158 | xxxxxx |  | xxxxxx A NA C |
| 836170 | xxxxxx |  | xxxxxx D A |
| 836270 | xxxxxx |  | xxxxxx A |
| 836313 | xxxxxx |  | xxxxxx A |
| 836326 | xxxxxx |  | xxxxxx A |
| 836331 | xxxxxx |  | xxxxxx B A |
| 836336 | xxxxxx |  | xxxxxx A |
| 836359 | xxxxxx |  | xxxxxx B A |
| 836375 | xxxxxx |  | xxxxxx A |
| 836421 | xxxxxx |  | xxxxxx A |
| 836433 | xxxxxx |  | xxxxxx A B |
| 836447 | xxxxxx |  | xxxxxx D A |
| 836560 | xxxxxx |  | xxxxxx A |
| 836573 | xxxxxx |  | xxxxxx A NA |
| 836628 | xxxxxx |  | xxxxxx A |
| 836647 | xxxxxx |  | xxxxxx D A |
| 836657 | xxxxxx |  | xxxxxx A C |
| 836692 | xxxxxx |  | xxxxxx A |
| 836693 | xxxxxx |  | xxxxxx A NA |
| 836737 | xxxxxx |  | xxxxxx A |
| 836738 | xxxxxx |  | xxxxxx A B |
| 836756 | xxxxxx |  | xxxxxx A |
| 836762 | xxxxxx |  | xxxxxx A NA |
| 836780 | xxxxxx |  | xxxxxx B NA C |
| 836785 | xxxxxx |  | xxxxxx A NA |
| 836814 | xxxxxx |  | xxxxxx A NA D |
| 836827 | xxxxxx |  | xxxxxx A |
| 836830 | xxxxxx |  | xxxxxx A NA |
| 836883 | xxxxxx |  | xxxxxx A |
| 836893 | xxxxxx |  | xxxxxx B D A |
| 836894 | xxxxxx |  | xxxxxx A |
| 836910 | xxxxxx |  | xxxxxx A NA |
| 836989 | xxxxxx |  | xxxxxx D A |
| 837005 | xxxxxx |  | xxxxxx D C A |
| 837107 | xxxxxx |  | xxxxxx A |
| 837111 | xxxxxx |  | xxxxxx D A |
| 837175 | xxxxxx |  | xxxxxx C NA |
| 837278 | xxxxxx |  | xxxxxx A |
| 837289 | xxxxxx |  | xxxxxx A |
| 837292 | xxxxxx |  | xxxxxx A |
| 837383 | xxxxxx |  | xxxxxx B A |
| 837391 | xxxxxx |  | xxxxxx A |
| 837396 | xxxxxx |  | xxxxxx A |
| 837399 | xxxxxx |  | xxxxxx A |
| 837419 | xxxxxx |  | xxxxxx D A |
| 837488 | xxxxxx |  | xxxxxx D A B |
| 837504 | xxxxxx |  | xxxxxx B A |
| 837510 | xxxxxx |  | xxxxxx B A |
| 837528 | xxxxxx |  | xxxxxx A |
| 837538 | xxxxxx |  | xxxxxx A |
| 837565 | xxxxxx |  | xxxxxx A |
| 837580 | xxxxxx |  | xxxxxx A |
| 837584 | xxxxxx |  | xxxxxx D A |
| 837587 | xxxxxx |  | xxxxxx A |
| 837594 | xxxxxx |  | xxxxxx D NA |
| 837597 | xxxxxx |  | xxxxxx A |
| 837607 | xxxxxx |  | xxxxxx A |
| 837608 | xxxxxx |  | xxxxxx A |
| 837628 | xxxxxx |  | xxxxxx D A C |
| 837675 | xxxxxx |  | xxxxxx A |
| 837682 | xxxxxx |  | xxxxxx A |
| 837700 | xxxxxx |  | xxxxxx C A B |
| 837701 | xxxxxx |  | xxxxxx B A |
| 837702 | xxxxxx |  | xxxxxx B A |
| 837706 | xxxxxx |  | xxxxxx B A |
| 837707 | xxxxxx |  | xxxxxx B A |
| 837709 | xxxxxx |  | xxxxxx B A |
| 837715 | xxxxxx |  | xxxxxx C D B A |
| 837717 | xxxxxx |  | xxxxxx B D A |
| 837781 | xxxxxx |  | xxxxxx A |
| 837789 | xxxxxx |  | xxxxxx D A |
| 837853 | xxxxxx |  | xxxxxx A |
| 837997 | xxxxxx |  | xxxxxx A |
| 838096 | xxxxxx |  | xxxxxx D NA |
| 838107 | xxxxxx |  | xxxxxx A |
| 838108 | xxxxxx |  | xxxxxx A |
| 838123 | xxxxxx |  | xxxxxx A |
| 838130 | xxxxxx |  | xxxxxx A NA |
| 838164 | xxxxxx |  | xxxxxx B A |
| 838172 | xxxxxx |  | xxxxxx D A |
| 838192 | xxxxxx |  | xxxxxx D A |
| 838218 | xxxxxx |  | xxxxxx A |
| 838231 | xxxxxx |  | xxxxxx A |
| 838412 | xxxxxx |  | xxxxxx A C |
| 838437 | xxxxxx |  | xxxxxx D A |
| 838530 | xxxxxx |  | xxxxxx A |
| 838632 | xxxxxx |  | xxxxxx B A D |
| 838715 | xxxxxx |  | xxxxxx A |
| 838733 | xxxxxx |  | xxxxxx A |
| 838734 | xxxxxx |  | xxxxxx A |
| 838950 | xxxxxx |  | xxxxxx A |
| 839363 | xxxxxx |  | xxxxxx A |
| 839394 | xxxxxx |  | xxxxxx C A |
| 839400 | xxxxxx |  | xxxxxx B A |
| 839401 | xxxxxx |  | xxxxxx B A |
| 839402 | xxxxxx |  | xxxxxx B A |
| 839404 | xxxxxx |  | xxxxxx C A B |
| 839405 | xxxxxx |  | xxxxxx B A |
| 839407 | xxxxxx |  | xxxxxx A |
| 839408 | xxxxxx |  | xxxxxx B A |
| 839409 | xxxxxx |  | xxxxxx D A B |
| 839410 | xxxxxx |  | xxxxxx C A B |
| 839411 | xxxxxx |  | xxxxxx D A B |
| 839412 | xxxxxx |  | xxxxxx B A |
| 839413 | xxxxxx |  | xxxxxx C A B |
| 839420 | xxxxxx |  | xxxxxx D A |
| 839421 | xxxxxx |  | xxxxxx D A B |
| 839422 | xxxxxx |  | xxxxxx A |
| 839465 | xxxxxx |  | xxxxxx A |
| 839478 | xxxxxx |  | xxxxxx A |
| 839595 | xxxxxx |  | xxxxxx A |
| 839675 | xxxxxx |  | xxxxxx A |
| 839691 | xxxxxx |  | xxxxxx A |
| 839744 | xxxxxx |  | xxxxxx A D |
| 839749 | xxxxxx |  | xxxxxx A |
| 839789 | xxxxxx |  | xxxxxx A |
| 839915 | xxxxxx |  | xxxxxx A |
| 839967 | xxxxxx |  | xxxxxx A |
| 839982 | xxxxxx |  | xxxxxx B D A |
| 840144 | xxxxxx |  | xxxxxx D A C |
| 840188 | xxxxxx |  | xxxxxx B A |
| 840192 | xxxxxx |  | xxxxxx B A |
| 840194 | xxxxxx |  | xxxxxx B A |
| 840195 | xxxxxx |  | xxxxxx B A |
| 840200 | xxxxxx |  | xxxxxx A |
| 840578 | xxxxxx |  | xxxxxx A |

---

## Exhibit 99.12

**EXHIBIT 99.12**

**CANOPY DATA COMPARE**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 830706 | xxxxxx |  | xxxxxx | Margin | 6.5 | 2 |  |
| 830706 | xxxxxx |  | xxxxxx | Borrower 1 Last Name | xxxxxx | xxxxxx |  |
| 831515 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 831515 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 43.41 | 13.5 |  |
| 832499 | xxxxxx |  | xxxxxx | Property Type | Two to Four Unit | Single Family Detached |  |
| 832860 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 833267 | xxxxxx |  | xxxxxx | Prepayment Penalty Total Term | 60 | 36 |  |
| 833267 | xxxxxx |  | xxxxxx | Margin | 6.5 | 2.000 |  |
| 833267 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 833595 | xxxxxx |  | xxxxxx | Property Type | Townhouse | Single Family Detached |  |
| 833709 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 833825 | xxxxxx |  | xxxxxx | Qualifying FICO | 688 | 691 |  |
| 834251 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 834324 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 834443 | xxxxxx |  | xxxxxx | Borrower 1 First Name | xxxxxx | xxxxxx |  |
| 834459 | xxxxxx |  | xxxxxx | Qualifying LTV | 60.0 | 59.01563 |  |
| 834487 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 834487 | xxxxxx |  | xxxxxx | Qualifying LTV | 69.28 | 70 |  |
| 834487 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 30.72 | 41.518 |  |
| 835102 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 835102 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 37 | 48 |  |
| 835123 | xxxxxx |  | xxxxxx | Property City | xxxxxx | xxxxxx |  |
| 835127 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 835127 | xxxxxx |  | xxxxxx | Qualifying FICO | 788 | 801 |  |
| 835174 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 835204 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 27.41 | 31.08 |  |
| 835354 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 24.03 | 17.675 |  |
| 835374 | xxxxxx |  | xxxxxx | Calculated DSCR | 0.821 | 0.91 |  |
| 835381 | xxxxxx |  | xxxxxx | Calculated DSCR | 0.75 | 0.88 |  |
| 835507 | xxxxxx |  | xxxxxx | Qualifying FICO | 791 | 804 |  |
| 835573 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 836040 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 836040 | xxxxxx |  | xxxxxx | Interest Rate | 9.5 | 9.875 |  |
| 836040 | xxxxxx |  | xxxxxx | Qualifying CLTV | 74.45 | 74.8998 |  |
| 836326 | xxxxxx |  | xxxxxx | Property Type | 5-10 Unit Multi-Family | Single Family Detached |  |
| 836331 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 836359 | xxxxxx |  | xxxxxx | Qualifying LTV | 71.83 | 75 |  |
| 836359 | xxxxxx |  | xxxxxx | Qualifying Loan Amount | xxxxxx | xxxxxx |  |
| 836421 | xxxxxx |  | xxxxxx | Property Type | Townhouse | Single Family Detached |  |
| 836560 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 836628 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 49.44 | 32.41 |  |
| 836647 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 9.81 | 4.485 |  |
| 836693 | xxxxxx |  | xxxxxx | Qualifying CLTV | 72.86 | 73.04762 |  |
| 836756 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 836762 | xxxxxx |  | xxxxxx | Qualifying LTV | 29.07 | 28.26087 |  |
| 836762 | xxxxxx |  | xxxxxx | Qualifying Loan Amount | xxxxxx | xxxxxx |  |
| 836780 | xxxxxx |  | xxxxxx | Qualifying CLTV | 69.17 | 69.06518 |  |
| 836780 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 39.65 | 35.2 |  |
| 836785 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 836785 | xxxxxx |  | xxxxxx | Qualifying CLTV | 74.9 | 74.99977 |  |
| 836785 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 20.03 | 24.21 |  |
| 836814 | xxxxxx |  | xxxxxx | Application Date | xxxxxx | xxxxxx |  |
| 836827 | xxxxxx |  | xxxxxx | Margin | 6.5 | 2 |  |
| 836827 | xxxxxx |  | xxxxxx | Qualifying FICO | 726 | 730 |  |
| 836883 | xxxxxx |  | xxxxxx | Property Type | Single Family Detached | Two to Four Unit |  |
| 836910 | xxxxxx |  | xxxxxx | Qualifying CLTV | 57.19 | 57.26 |  |
| 836910 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 10.44 | 6.46 |  |
| 836989 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 836989 | xxxxxx |  | xxxxxx | Verified Doc Type | 12 Month Bank Statement | Full |  |
| 837005 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 837107 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 837111 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 837111 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 13.38 | 5.75 |  |
| 837396 | xxxxxx |  | xxxxxx | Margin | 6.5 | 2 |  |
| 837399 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 837419 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 49.42 | 44.686 |  |
| 837488 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 837504 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 837504 | xxxxxx |  | xxxxxx | Borrower 1 Last Name | xxxxxx | xxxxxx |  |
| 837565 | xxxxxx |  | xxxxxx | Property Address | xxxxxx | xxxxxx |  |
| 837584 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 837587 | xxxxxx |  | xxxxxx | Qualifying FICO | 764 | 763 |  |
| 837594 | xxxxxx |  | xxxxxx | Qualifying CLTV | 68.8 | 68.92136 |  |
| 837594 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 21.41 | 8.578 |  |
| 837701 | xxxxxx |  | xxxxxx | Calculated DSCR | 0.402 | 0.48 |  |
| 837701 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 837701 | xxxxxx |  | xxxxxx | Qualifying LTV | 54.0 | 60 |  |
| 837717 | xxxxxx |  | xxxxxx | Property Type | Single Family Detached | Single Family Attached |  |
| 837717 | xxxxxx |  | xxxxxx | Total Monthly Property Insurance Amount | xxxxxx | xxxxxx |  |
| 837853 | xxxxxx |  | xxxxxx | Borrower 1 Last Name | xxxxxx | xxxxxx |  |
| 838096 | xxxxxx |  | xxxxxx | Qualifying CLTV | 79.91 | 80.00 |  |
| 838107 | xxxxxx |  | xxxxxx | Qualifying FICO | 745 | 765 |  |
| 838108 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 838130 | xxxxxx |  | xxxxxx | Qualifying CLTV | 45.89 | 45.93 |  |
| 838172 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 838172 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 838218 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 838412 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 838412 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 18.2 | 14.272 |  |
| 839394 | xxxxxx |  | xxxxxx | Verified Doc Type | 12 Month Bank Statement | Full |  |
| 839405 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 32.46 | 41.551 |  |
| 839408 | xxxxxx |  | xxxxxx | Reviewed Total Housing Expense PITIA | 11288.8 | $11651.15 |  |
| 839409 | xxxxxx |  | xxxxxx | Property Type | Two to Four Unit | Single Family Detached |  |
| 839410 | xxxxxx |  | xxxxxx | Verified Doc Type | 1YR Business P&L | 12 Month Bank Statement |  |
| 839411 | xxxxxx |  | xxxxxx | Total Monthly Property Insurance Amount | xxxxxx | xxxxxx |  |
| 839465 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 21.23 | 23.751 |  |
| 839465 | xxxxxx |  | xxxxxx | Qualifying FICO | 725 | 716 |  |
| 839595 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 35.73 | 38.418 |  |
| 839749 | xxxxxx |  | xxxxxx | Interest Rate | 8.125 | 8 |  |
| 840192 | xxxxxx |  | xxxxxx | Property Type | Single Family Detached | Single Family Attached |  |
| 840195 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 21.82 | 32.109 |  |
| 840195 | xxxxxx |  | xxxxxx | Total Qualifying Income | 18940.13 | $12871.84 |  |
| 840200 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 39.18 | 33.777 |  |

---

## Exhibit 99.13

**EXHIBIT 99.13**

**CANOPY ATR QM report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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: 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?** |
| 830486 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 830529 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 830706 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | Yes |  | Yes | Present |
| 831432 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 831515 |  | xxxxxx | xxxxxx | 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 | 6387.04 | 8.764 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | Yes | 4602.02 | Yes | Employed |  | No |  | No |  |
| 831966 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | Yes |  | Yes | Present |
| 832499 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 832626 |  | xxxxxx | xxxxxx | 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 | 2580 | 8.599 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | NA | 19720.45 | NA | Employed |  | No |  | No |  |
| 832680 |  | xxxxxx | xxxxxx | 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 | 22054.2 | 9.264 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | Yes | 20965.85 | Yes | Employed |  | No |  | No |  |
| 832708 |  | xxxxxx | xxxxxx | 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 | 7605.08 | 10.176 | Yes | Yes NA | Yes | Yes | Yes | Yes | Yes | Yes | NA | 163295.16 | NA | Employed |  | No |  | No |  |
| 832860 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | Yes | Yes | Yes | Present |
| 833075 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 833134 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 833223 |  | xxxxxx | xxxxxx | 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 | 14999.96 | 9.918 | Yes | Yes NA | Yes | Yes | Yes | Yes | NA | Yes | NA | 35535.11 | NA | Employed | Not Employed | No | No | No |  |
| 833267 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | Yes | Yes | Yes | Present |
| 833489 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 833595 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 833683 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 833709 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 833723 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No | No | Yes | Present |
| 833769 |  | xxxxxx | xxxxxx | 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 | 8188.56 | 9.293 | Yes | Yes NA | Yes | Yes | Yes | Yes | Yes | Yes | NA | 14507.02 | NA | Employed |  | No |  | No |  |
| 833772 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 833825 |  | xxxxxx | xxxxxx | 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 | 9236.92 | 7.353 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | Yes | 15663.23 | NA | Not Employed | Employed | No | No | No |  |
| 833865 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 833886 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 834029 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 834121 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 834155 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 834218 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 13140 | 10.642 | Yes | Yes NA | Yes | Yes | Yes | Yes | Yes | Yes | NA | 11859.72 | NA | Employed |  | No |  | No |  |
| 834251 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 834270 |  | xxxxxx | xxxxxx | 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 | 8541.64 | 8.111 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | NA | 11923.14 | NA | Employed |  | No |  | No |  |
| 834304 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 834312 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | No | No | No | No | No | No | No | No | No | No | Yes | 25264.78 | 8.171 | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 834324 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 118292.03 | NA | Employed |  | No |  | Yes | Present |
| 834392 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No | No | Yes | Present |
| 834422 |  | xxxxxx | xxxxxx | 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 | 24320 | 9.025 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | Yes | 26787.72 | Yes | Employed |  | No |  | No |  |
| 834434 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 2714.21 | NA | Not Employed |  | No |  | Yes | Present |
| 834443 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 834453 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 834459 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 834470 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No | No | Yes | Present |
| 834487 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | No | No | No | No | No | No | No | No | No | No | Yes | 12291.09 | 8.632 | NA | NA | NA | NA | NA | NA | NA | NA | NA | 21122.61 | NA | Employed |  | No |  | Yes | Present |
| 834673 |  | xxxxxx | xxxxxx | 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 | 7095 | 9.731 | Yes | Yes NA | Yes | Yes | Yes | Yes | Yes | Yes | NA | 43419.1 | NA | Employed |  | No |  | No |  |
| 834675 |  | xxxxxx | xxxxxx | 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 | 10792.5 | 9.047 | Yes | Yes NA | Yes | Yes | Yes | Yes | Yes | Yes | NA | 9584.49 | NA | Employed | Employed | No | No | No |  |
| 834777 |  | xxxxxx | xxxxxx | 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 | 11082 | 8.413 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | NA | 26267.57 | NA | Employed |  | No |  | No |  |
| 834794 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 834798 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No | No | Yes | Present |
| 834876 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 834878 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 835102 |  | xxxxxx | xxxxxx | 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 | 11853.16 | 8.007 | Yes | Yes NA | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 17444.71 | Yes | Employed |  | No |  | No |  |
| 835123 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 835127 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 835154 |  | xxxxxx | xxxxxx | 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 | No | 6348.75 | 9.893 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | NA | 12410.55 | NA | Employed |  | No |  | No |  |
| 835174 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 835204 |  | xxxxxx | xxxxxx | 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 | 2553 | 8.721 | Yes | Yes NA | Yes | Yes | Yes | Yes | Yes | Yes | NA | 36999.44 | NA | Employed |  | No |  | No |  |
| 835222 |  | xxxxxx | xxxxxx | 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 | 14211.5 | 8.495 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | NA | 7603.59 | NA | Employed | Employed | No | No | No |  |
| 835261 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No | No | Yes | Present |
| 835354 |  | xxxxxx | xxxxxx | 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 | No | 19035 | 9.512 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | NA | 35978.2 | Yes | Employed |  | No |  | No |  |
| 835374 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 835377 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 835378 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 835381 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 835382 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No | No | Yes | Present |
| 835385 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No | No | Yes | Present |
| 835492 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 835507 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 835573 |  | xxxxxx | xxxxxx | 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 | 4071 | 7.81 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | Yes | 5694.15 | Yes | Employed |  | No |  | No |  |
| 835628 |  | xxxxxx | xxxxxx | 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 | 6478.2 | 8.718 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | NA | 19766.65 | NA | Employed | Not Employed | No | No | No |  |
| 835665 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 146383.32 | NA | Employed |  | No |  | Yes | Present |
| 835666 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 146825.18 | NA | Employed |  | No |  | Yes | Present |
| 835800 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 835971 |  | xxxxxx | xxxxxx | 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 | 0 | 7.5 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | Yes | 6601.67 | Yes | Employed |  | No |  | No |  |
| 835975 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 836040 |  | xxxxxx | xxxxxx | 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 | 2369.16 | 10.044 | Yes | Yes NA | Yes | Yes | Yes | Yes | Yes | Yes | NA | 2319.91 | NA | Employed |  | No |  | No |  |
| 836120 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 836158 |  | xxxxxx | xxxxxx | 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 | 9615 | 9.544 | Yes | Yes NA | Yes | Yes | Yes | Yes | Yes | Yes | NA | 44846.31 | NA | Employed |  | No |  | No |  |
| 836170 |  | xxxxxx | xxxxxx | 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 | 15364 | 7.882 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | Yes | 61718.31 | NA | Employed |  | No |  | No |  |
| 836270 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | Yes |  | Yes | Present |
| 836313 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 836326 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 836331 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No | No | Yes | Present |
| 836336 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | Yes | Yes | Yes | Present |
| 836359 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No | No | Yes | Present |
| 836375 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 836421 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 836433 |  | xxxxxx | xxxxxx | 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 | 33641.3 | 7.776 | Yes | Yes NA | Yes | Yes | Yes | Yes | Yes | Yes | NA | 17264.32 | NA | Employed |  | No |  | No |  |
| 836447 |  | xxxxxx | xxxxxx | 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 | 16614.6 | 8.454 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | NA | 34542.83 | NA | Employed | Not Employed | No | No | No |  |
| 836560 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 836573 |  | xxxxxx | xxxxxx | 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 | 2910 | 9.363 | Yes | Yes NA | Yes | Yes | Yes | Yes | Yes | Yes | NA | 3358.46 | NA | Employed |  | No |  | No |  |
| 836628 |  | xxxxxx | xxxxxx | 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 | Yes | No | No | No | No | No | 14675 | 8.347 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | Yes | 7799.65 | Yes | Employed |  | No |  | No |  |
| 836647 |  | xxxxxx | xxxxxx | 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 | 14816.73 | 8.139 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | Yes | 152421.94 | Yes | Employed |  | No |  | No |  |
| 836657 |  | xxxxxx | xxxxxx | 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 | 2580 | 8.802 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | Yes | 11438.55 | NA | Employed |  | No |  | No |  |
| 836692 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 836693 |  | xxxxxx | xxxxxx | 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 | 12843.85 | 10.297 | Yes | Yes NA | Yes | Yes | Yes | Yes | Yes | Yes | NA | 383841.73 | NA | Employed |  | No |  | No |  |
| 836737 |  | xxxxxx | xxxxxx | 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 | No | 6110.35 | 10.028 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | Yes | 17400.22 | Yes | Employed | Employed | No | No | No |  |
| 836738 |  | xxxxxx | xxxxxx | 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 | No | 5917.25 | 9.696 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | Yes | 16543.12 | Yes | Employed | Not Employed | No | No | No |  |
| 836756 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 836762 |  | xxxxxx | xxxxxx | 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 | 3561.57 | 9.877 | Yes | Yes NA | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 3959.88 | Yes | Employed |  | No |  | No |  |
| 836780 |  | xxxxxx | xxxxxx | 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 | No | 8705 | 10.179 | Yes | Yes NA | Yes | Yes | Yes | Yes | Yes | Yes | NA | 8336.5 | NA | Employed |  | No |  | No |  |
| 836785 |  | xxxxxx | xxxxxx | 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 | 7320.32 | 9.51 | Yes | Yes NA | Yes | Yes | Yes | Yes | Yes | Yes | NA | 102600.23 | NA | Employed | Employed | No | No | No |  |
| 836814 |  | xxxxxx | xxxxxx | 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 | 3144 | 8.829 | Yes | Yes NA | Yes | Yes | Yes | Yes | Yes | Yes | NA | 19934.09 | NA | Employed | Employed | No | No | No |  |
| 836827 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 836830 |  | xxxxxx | xxxxxx | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 1773.21 | 12.315 | Yes | Yes NA | Yes | Yes | Yes | Yes | Yes | Yes | NA | 11983.66 | NA | Employed |  | No |  | No |  |
| 836883 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | Yes |  | Yes | Present |
| 836893 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 836894 |  | xxxxxx | xxxxxx | 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 | 9808.07 | 8.781 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | Yes | 23541.56 | Yes | Employed |  | No |  | No |  |
| 836910 |  | xxxxxx | xxxxxx | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 11380 | 9.542 | Yes | Yes NA | Yes | Yes | Yes | Yes | Yes | Yes | NA | 139869.04 | NA | Employed |  | No |  | No |  |
| 836989 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 119320.43 | NA | Employed |  | No |  | Yes | Present |
| 837005 |  | xxxxxx | xxxxxx | 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 | No | 5467 | 9.607 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | Yes | 20230.55 | Yes | Employed |  | No |  | No |  |
| 837107 |  | xxxxxx | xxxxxx | 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 | 1019.4 | 8.255 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | Yes | 25276.4 | Yes | Employed |  | No |  | No |  |
| 837111 |  | xxxxxx | xxxxxx | 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 | 3695 | 8.056 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | Yes | 52892.64 | Yes | Employed |  | No |  | No |  |
| 837175 |  | xxxxxx | xxxxxx | 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 | 0 | 10.188 | Yes | Yes NA | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 98171.74 | NA | Employed |  | No |  | No |  |
| 837278 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 837289 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 837292 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No | No | Yes | Present |
| 837383 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 837391 |  | xxxxxx | xxxxxx | 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 | 14295 | 7.829 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | Yes | 14794.76 | Yes | Employed |  | No |  | No |  |
| 837396 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | Yes |  | Yes | Present |
| 837399 |  | xxxxxx | xxxxxx | 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 | 25951.1 | 8.042 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | Yes | 68983.41 | Yes | Employed |  | No |  | No |  |
| 837419 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 22038.57 | NA | Employed | Employed | No | No | Yes | Present |
| 837488 |  | xxxxxx | xxxxxx | 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 | 7621.5 | 8.592 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | Yes | 10078.87 | Yes | Not Employed | Not Employed | No | No | No |  |
| 837504 |  | xxxxxx | xxxxxx | 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 | 2588.05 | 8.308 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | Yes | 7147.31 | Yes | Employed |  | No |  | No |  |
| 837510 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 837528 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 718143.34 | NA | Not Employed | Employed | No | No | Yes | Present |
| 837538 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 22433.06 | NA | Employed |  | No |  | Yes | Present |
| 837565 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No | No | Yes | Present |
| 837580 |  | xxxxxx | xxxxxx | 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 | 11833.75 | 7.813 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | Yes | 5958.93 | Yes | Employed | Employed | No | No | No |  |
| 837584 |  | xxxxxx | xxxxxx | 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 | 19001.44 | 8.261 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | Yes | 12557.8 | Yes | Employed |  | No |  | No |  |
| 837587 |  | xxxxxx | xxxxxx | 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 | 4282 | 8.487 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | Yes | 6271.66 | Yes | Employed |  | No |  | No |  |
| 837594 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 36551.18 | NA | Not Employed | Employed | No | No | Yes | Present |
| 837597 |  | xxxxxx | xxxxxx | 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 | Yes | No | No | No | No | Yes | 16895.2 | 8.228 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | Yes | 5110.6 | Yes | Employed |  | No |  | No |  |
| 837607 |  | xxxxxx | xxxxxx | 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 | No | 2632.5 | 9.354 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | Yes | 10059.25 | Yes | Employed |  | No |  | No |  |
| 837608 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 837628 |  | xxxxxx | xxxxxx | 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 | 2090 | 7.463 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | Yes | 8747.78 | Yes | Employed |  | No |  | No |  |
| 837675 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 837682 |  | xxxxxx | xxxxxx | 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 | 2766.72 | 8.175 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | Yes | 19646.77 | Yes | Employed | Employed | No | No | No |  |
| 837700 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 837701 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | Yes |  | Yes | Present |
| 837702 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | Yes |  | Yes | Present |
| 837706 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | Yes |  | Yes | Present |
| 837707 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | Yes | Yes | Yes | Present |
| 837709 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 837715 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 837717 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 837781 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 837789 |  | xxxxxx | xxxxxx | 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 | 2657.5 | 8.969 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | NA | 11425.75 | NA | Employed |  | No |  | No |  |
| 837853 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | Yes |  | Yes | Present |
| 837997 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 101869.74 | NA | Employed |  | No |  | Yes | Present |
| 838096 |  | xxxxxx | xxxxxx | 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 | 22196.37 | 9.827 | Yes | Yes NA | Yes | Yes | Yes | Yes | Yes | Yes | NA | 97836.9 | NA | Employed | Employed | No | No | No |  |
| 838107 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No | No | Yes | Present |
| 838108 |  | xxxxxx | xxxxxx | 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 | No | 11495 | 9.075 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | Yes | 19399.3 | Yes | Not Employed | Employed | No | No | No |  |
| 838123 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 838130 |  | xxxxxx | xxxxxx | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 13195 | 8.988 | Yes | Yes NA | Yes | Yes | Yes | Yes | Yes | Yes | NA | 14978.54 | NA | Employed |  | No |  | No |  |
| 838164 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 838172 |  | xxxxxx | xxxxxx | 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 | 1845 | 8.227 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | Yes | 20704.62 | Yes | Employed |  | No |  | No |  |
| 838192 |  | xxxxxx | xxxxxx | 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 | 9517.5 | 10.357 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | Yes | 7994.24 | Yes | Employed |  | No |  | No |  |
| 838218 |  | xxxxxx | xxxxxx | 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 | 5541.28 | 7.721 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | Yes | 7197.27 | Yes | Employed | Retired | No | No | No |  |
| 838231 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 10120.85 | NA | Employed | Employed | No | No | Yes | Present |
| 838412 |  | xxxxxx | xxxxxx | 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 | 6644.39 | 8.448 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | Yes | 45295.87 | Yes | Employed |  | No |  | No |  |
| 838437 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | Yes | Yes | No | No | No | No | Yes | No | No | No | Yes | 58640 | 9.178 | NA | NA | NA | NA | NA | NA | NA | NA | NA | 10560.47 | Yes | Employed |  | No |  | Yes | Present |
| 838530 |  | xxxxxx | xxxxxx | 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 | 39375 | 7.787 | Yes | Yes NA | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 28254.23 | Yes | Employed | Employed | No | No | No |  |
| 838632 |  | xxxxxx | xxxxxx | 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 | 16120 | 8.254 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | Yes | 32191.37 | Yes | Not Employed |  | No |  | No |  |
| 838715 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 4710.65 | NA | Employed |  | No |  | Yes | Present |
| 838733 |  | xxxxxx | xxxxxx | 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 | 9421.57 | 8.686 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | Yes | 3111.59 | NA | Not Employed |  | No |  | No |  |
| 838734 |  | xxxxxx | xxxxxx | 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 | 15680 | 9.102 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | NA | 45543.84 | NA | Employed | Employed | No | No | No |  |
| 838950 |  | xxxxxx | xxxxxx | 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 | 5982.19 | 7.72 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | NA | 58957.43 | NA | Employed |  | No |  | No |  |
| 839363 |  | xxxxxx | xxxxxx | 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 | 4725.44 | 8.283 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | NA | 5193.79 | NA | Employed |  | No |  | No |  |
| 839394 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 39168.15 | NA | Employed |  | No |  | Yes | Present |
| 839400 |  | xxxxxx | xxxxxx | 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 | 7343 | 7.988 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | Yes | 3829.44 | No | Employed |  | No |  | No |  |
| 839401 |  | xxxxxx | xxxxxx | 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 | 4276.61 | 8.7 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | NA | 8494.66 | NA | Employed |  | No |  | No |  |
| 839402 |  | xxxxxx | xxxxxx | 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 | No | 18176 | 9.51 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | NA | 141205.97 | NA | Employed |  | No |  | No |  |
| 839404 |  | xxxxxx | xxxxxx | 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 | 8551.25 | 11.513 | Yes | Yes NA | Yes | Yes | NA | NA | Yes | Yes | Yes | 9401.41 | NA | Employed |  | No |  | No |  |
| 839405 |  | xxxxxx | xxxxxx | 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 | Yes | No | No | No | No | No | 14850 | 7.359 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | Yes | 26475.52 | NA | Employed |  | No |  | No |  |
| 839407 |  | xxxxxx | xxxxxx | 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 | 18960 | 8.735 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | NA | 12363.44 | NA | Employed |  | No |  | No |  |
| 839408 |  | xxxxxx | xxxxxx | 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 | 12800 | 7.599 | Yes | Yes NA | Yes | Yes | NA | NA | Yes | Yes | Yes | 46094.99 | NA | Employed |  | No |  | No |  |
| 839409 |  | xxxxxx | xxxxxx | 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 | 10940 | 8.677 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | Yes | 8317.91 | Yes | Employed |  | No |  | No |  |
| 839410 |  | xxxxxx | xxxxxx | 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 | No | 8820 | 10.367 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | NA | 9016.09 | NA | Employed |  | No |  | No |  |
| 839411 |  | xxxxxx | xxxxxx | 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 | 7087.66 | 8.322 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | Yes | 2322.96 | No | Employed | Employed | No | No | No |  |
| 839412 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 13878.75 | 9.758 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | Yes | 3687.91 | Yes | Employed |  | No |  | No |  |
| 839413 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 7976 | 9.776 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | Yes | 3691.85 | Yes | Employed |  | No |  | No |  |
| 839420 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 124999.91 | NA | Employed |  | No |  | Yes | Present |
| 839421 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 24991.37 | NA | Employed | Employed | No | No | Yes | Present |
| 839422 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 29977.88 | NA | Employed |  | No |  | Yes | Present |
| 839465 |  | xxxxxx | xxxxxx | 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 | 7830.64 | 8.443 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | Yes | 20551.17 | Yes | Employed | Employed | No | No | No |  |
| 839478 |  | xxxxxx | xxxxxx | 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 | 20245 | 8.38 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | NA | 20807.66 | NA | Employed |  | No |  | No |  |
| 839595 |  | xxxxxx | xxxxxx | 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 | 10376.5 | 9.261 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | Yes | 6306.08 | Yes | Employed |  | No |  | No |  |
| 839675 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 839691 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 839744 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 839749 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 839789 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No | No | Yes | Present |
| 839915 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 839967 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 27405.2 | Yes | Employed |  | No |  | Yes | Present |
| 839982 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |
| 840144 |  | xxxxxx | xxxxxx | 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 | 12490 | 7.509 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | NA | 76912.84 | Yes | Employed |  | No |  | No |  |
| 840188 |  | xxxxxx | xxxxxx | 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 | 10600 | 8.919 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | NA | 7638.25 | NA | Employed |  | No |  | No |  |
| 840192 |  | xxxxxx | xxxxxx | 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 | No | 31928.75 | 9.724 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | NA | 28193.39 | NA | Employed |  | No |  | No |  |
| 840194 |  | xxxxxx | xxxxxx | 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 | 6035 | 10.125 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | NA | 3793.29 | NA | Employed |  | No |  | No |  |
| 840195 |  | xxxxxx | xxxxxx | 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 | 13377.5 | 8.413 | Yes | Yes NA | Yes | Yes | Yes | NA | Yes | Yes | NA | 14807.17 | NA | Employed | Employed | No | No | No |  |
| 840200 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 64014.61 | NA | Employed |  | No |  | Yes | Present |
| 840578 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | NA | NA | NA | NA | NA | NA | NA | NA | NA | 0 |  |  |  | No |  | Yes | Present |

---

## Exhibit 99.14

**EXHIBIT 99.14**

**CANOPY valuation REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 830486 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-10-2025 | 1004 URAR | xxxxxx | 64.93 | 64.93 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-28-2025 |
| 830529 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-29-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | -.0667 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0667 | xxxxxx | Moderate Risk | 02-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-14-2025 |
| 830706 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-23-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 02-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | 01-29-2025 |
| 831432 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-24-2025 | 1004 URAR | xxxxxx | 60.0 | 60.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-22-2025 |
| 831515 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-19-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-21-2025 |
| 831966 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-25-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-27-2025 | Eligible | 1 | 02-27-2025 |
| 832499 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-17-2025 | 1025 Small Residential Income Report | xxxxxx | 63.74 | 63.74 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 02-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 832626 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-14-2025 | 1025 Small Residential Income Report | xxxxxx | 85.34 | 85.34 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 832680 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-18-2025 | 1025 Small Residential Income Report | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 03-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 832708 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-06-2025 | 1004 URAR | xxxxxx | 24.76 | 79.66 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-11-2025 |
| 832860 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-19-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-22-2025 | Eligible |  |  |
| 833134 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-24-2025 | 1025 Small Residential Income Report | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833223 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-03-2025 | 1004 URAR | xxxxxx | 33.57 | 79.16 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-05-2025 |
| 833267 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-07-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 03-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-21-2025 |
| 833489 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-02-2025 | 1004 URAR | xxxxxx | 46.01 | 46.01 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 03-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-19-2024 |
| 833595 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-09-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-16-2025 | Eligible | 1 | 03-16-2025 |
| 833683 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-18-2025 | 1073 Individual Condo Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-06-2025 | Eligible | 1 | 04-06-2025 |
| 833709 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-27-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 03-31-2025 |
| 833723 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-12-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | -.0982 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0982 | xxxxxx | Reasonable | 03-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-14-2025 |
| 833769 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-13-2025 | 1073 Individual Condo Report | xxxxxx | 27.04 | 69.69 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-02-2025 |
| 833772 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-23-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 03-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-02-2025 | Eligible |  |  |
| 833825 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-20-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833865 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-24-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833886 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-08-2025 | 1025 Small Residential Income Report | xxxxxx | 59.09 | 59.09 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 03-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834029 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-28-2025 | 1025 Small Residential Income Report | xxxxxx | 63.11 | 63.11 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 04-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 04-03-2025 |
| 834121 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-07-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | .0558 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0558 | xxxxxx | Low Risk | 03-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 02-12-2025 |
| 834155 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-08-2025 | 1025 Small Residential Income Report | xxxxxx | 53.81 | 53.81 | xxxxxx | xxxxxx | -.0750 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0750 | xxxxxx | Moderate Risk | 03-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 999 | 03-28-2025 | Not Eligible |  |  |
| 834218 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-24-2025 | 1004 URAR | xxxxxx | 29.7 | 73.61 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 03-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 03-25-2025 |
| 834251 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-03-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 05-28-2025 | Not Eligible | 1 | 05-28-2025 |
| 834270 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-01-2025 | 1073 Individual Condo Report | xxxxxx | 79.23 | 79.23 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  | xxxxxx | 0 | .0000 | 12-18-2024 | 1073 Individual Condo Report |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 04-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834304 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-29-2025 | 1025 Small Residential Income Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 04-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834312 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-28-2025 | 1073 Individual Condo Report | xxxxxx | 69.97 | 69.97 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-01-2025 | Eligible | 1 | 04-01-2025 |
| 834324 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-05-2025 | 1073 Individual Condo Report | xxxxxx | 53.57 | 53.57 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 03-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834392 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-02-2025 | 1073 Individual Condo Report | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0287 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0287 | xxxxxx | Moderate Risk | 04-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834422 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-14-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-14-2025 | Eligible | 2 | 03-14-2025 |
| 834434 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-01-2025 | 1004 URAR | xxxxxx | 11.54 | 31.04 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-10-2025 | Eligible |  |  |
| 834443 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-14-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 03-14-2025 |
| 834453 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-07-2024 | 1073 Individual Condo Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 12-18-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834459 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-14-2025 | 1004 URAR | xxxxxx | 60.0 | 60.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Reasonable Risk | 03-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834470 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-15-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 04-07-2025 |
| 834487 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-14-2025 | 1073 Individual Condo Report | xxxxxx | 69.28 | 69.28 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-27-2025 |
| 834673 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-19-2025 | 1004 URAR | xxxxxx | 44.72 | 79.49 | xxxxxx | xxxxxx | -.0256 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0256 | xxxxxx | Moderate Risk | 03-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 03-21-2025 |
| 834675 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-30-2025 | 1004 URAR | xxxxxx | 47.89 | 79.61 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834777 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-15-2025 | 1004 URAR | xxxxxx | 78.95 | 78.95 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 05-06-2025 | Not Eligible | 1 | 05-06-2025 |
| 834794 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-03-2025 | 1004 URAR | xxxxxx | 66.67 | 66.67 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 04-03-2025 |
| 834798 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-25-2025 | 1004 URAR | xxxxxx | 46.43 | 46.43 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 03-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834876 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-26-2025 | 1073 Individual Condo Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-27-2025 | Eligible | 1 | 03-27-2025 |
| 834878 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-26-2025 | 1073 Individual Condo Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-27-2025 |
| 835102 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-14-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-19-2025 |
| 835123 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-22-2025 | 1025 Small Residential Income Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 03-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835127 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-04-2025 | 1004 URAR | xxxxxx | 60.0 | 60.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 04-07-2025 |
| 835154 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-01-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 04-04-2025 |
| 835174 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-28-2025 | 1004 URAR | xxxxxx | 64.76 | 64.76 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 03-03-2025 |
| 835204 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-03-2025 | 1004 URAR | xxxxxx | 8.73 | 58.1 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-09-2025 | Eligible | 1 | 04-09-2025 |
| 835222 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-30-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-31-2025 |
| 835261 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-27-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-02-2025 |
| 835354 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-12-2025 | 1004 URAR | xxxxxx | 55.0 | 55.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 02-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 03-20-2025 |
| 835374 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-20-2025 | 1073 Individual Condo Report | xxxxxx | 55.0 | 55.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835377 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-20-2025 | 1073 Individual Condo Report | xxxxxx | 55.0 | 55.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-27-2025 |
| 835378 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-20-2025 | 1073 Individual Condo Report | xxxxxx | 55.0 | 55.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-27-2025 |
| 835381 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-20-2025 | 1073 Individual Condo Report | xxxxxx | 55.0 | 55.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-28-2025 |
| 835382 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-20-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 03-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 01-24-2025 |
| 835385 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-14-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 04-14-2025 |
| 835492 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-25-2025 | 1004 URAR | xxxxxx | 55.79 | 55.79 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 04-25-2025 |
| 835507 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-13-2025 | 1004 URAR | xxxxxx | 69.64 | 69.64 | xxxxxx | xxxxxx | -.0233 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0233 | xxxxxx | Reasonable | 04-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 04-17-2025 |
| 835573 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-12-2025 | 1004 URAR | xxxxxx | 77.42 | 77.42 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-16-2025 |
| 835628 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-18-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835665 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-14-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | .0003 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0003 | xxxxxx | Low Risk | 04-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-17-2025 |
| 835666 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-17-2025 | 1025 Small Residential Income Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 04-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835800 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-08-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 04-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-14-2025 |
| 835971 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-15-2025 | 1004 URAR | xxxxxx | 77.0 | 77.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-15-2025 | Eligible | 1.2 | 03-15-2025 |
| 835975 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-28-2025 | 1073 Individual Condo Report | xxxxxx | 60.0 | 60.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-03-2025 | Eligible | 1.1 | 04-03-2025 |
| 836040 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-26-2025 | AVM | xxxxxx | 27.07 | 74.45 | xxxxxx | xxxxxx | -.0038 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0038 | 94.0 | 0.06 | xxxxxx | xxxxxx | 07-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836120 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-10-2025 | 1073 Individual Condo Report | xxxxxx | 67.86 | 67.86 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 05-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836158 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-11-2025 | 1004 URAR | xxxxxx | 37.88 | 61.41 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-17-2025 |
| 836170 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-22-2025 | 1004 URAR | xxxxxx | 79.9 | 79.9 | xxxxxx | xxxxxx | -.0313 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0312 | xxxxxx | Moderate Risk | 04-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 04-23-2025 |
| 836270 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-08-2025 | 1004 URAR | xxxxxx | 60.0 | 60.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 04-18-2025 |
| 836313 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-11-2025 | 1004 URAR | xxxxxx | 49.45 | 49.45 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 04-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-16-2025 |
| 836326 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-06-2025 | Other | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0057 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0057 | xxxxxx | 04-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836331 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-13-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 04-06-2025 |
| 836336 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-03-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-08-2025 | Eligible | 2.3 | 04-08-2025 |
| 836359 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-04-2025 | 1004 URAR | xxxxxx | 71.83 | 71.83 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 05-07-2025 | Not Eligible | 1 | 05-07-2025 |
| 836375 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-02-2025 | 1025 Small Residential Income Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 04-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836421 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-03-2025 | 1004 URAR | xxxxxx | 67.44 | 67.44 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 04-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-08-2025 | Eligible |  |  |
| 836433 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-26-2025 | 1004 URAR | xxxxxx | 40.68 | 63.05 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 04-27-2025 |
| 836447 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-04-2025 | 1004 URAR | xxxxxx | 69.9 | 69.9 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-04-2025 | Eligible |  |  |
| 836560 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-29-2025 | 1025 Small Residential Income Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 04-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836573 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-31-2025 | 1004 URAR | xxxxxx | 14.29 | 58.71 | xxxxxx | xxxxxx | -.0429 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0429 | xxxxxx | Moderate Risk | 04-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 04-02-2025 |
| 836628 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-22-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-01-2025 | Eligible | 1 | 05-01-2025 |
| 836647 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-28-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 05-09-2025 | Eligible | 1 | 05-09-2025 |
| 836657 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-29-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-30-2025 |
| 836692 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-08-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836693 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-18-2025 | 1025 Small Residential Income Report | xxxxxx | 39.52 | 72.86 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 02-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836737 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-28-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 05-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-01-2025 |
| 836738 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-06-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 05-12-2025 | Not Eligible | 1 | 05-12-2025 |
| 836756 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-11-2025 | 1073 Individual Condo Report | xxxxxx | 64.96 | 64.96 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 04-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-06-2025 |
| 836762 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-28-2025 | 1004 URAR | xxxxxx | 29.07 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-05-2025 |
| 836780 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-29-2025 | 1004 URAR | xxxxxx | 44.47 | 69.17 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836785 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-28-2025 | 1004 URAR | xxxxxx | 28.71 | 74.9 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 05-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 05-06-2025 |
| 836814 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-07-2025 | 1004 URAR | xxxxxx | 9.62 | 64.04 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 04-10-2025 |
| 836827 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-10-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 04-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836830 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-17-2025 | 1004 URAR | xxxxxx | 15.19 | 79.99 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 04-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 04-24-2025 |
| 836883 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-09-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 04-21-2025 |
| 836893 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-18-2025 | 1025 Small Residential Income Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836894 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-10-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-28-2025 |
| 836910 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-15-2025 | 1004 URAR | xxxxxx | 25.0 | 57.19 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | REASONABLE | 04-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 04-18-2025 |
| 836989 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-12-2025 | 1073 Individual Condo Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-13-2025 | Eligible |  |  |
| 837005 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-29-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0112 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-30-2025 | Eligible | 1 | 04-30-2025 |
| 837107 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-02-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 05-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-06-2025 |
| 837111 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-07-2025 | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-12-2025 | Eligible | 1.4 | 05-12-2025 |
| 837175 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-11-2025 | 1004 URAR | xxxxxx | 7.49 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-14-2025 | Eligible | 1 | 04-14-2025 |
| 837278 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-28-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 04-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837289 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-04-2025 | 1073 Individual Condo Report | xxxxxx | 50.83 | 50.83 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 04-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | 04-15-2025 |
| 837292 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-22-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 04-24-2025 |
| 837383 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-13-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 02-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-24-2025 | Eligible |  |  |
| 837391 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-16-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837396 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-25-2025 | 1004 URAR | xxxxxx | 64.99 | 64.99 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 05-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 04-27-2025 |
| 837399 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-05-2025 | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837419 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-25-2025 | 1004 URAR | xxxxxx | 59.93 | 59.93 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 04-30-2025 |
| 837488 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-11-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-14-2025 | Eligible | 1 | 04-14-2025 |
| 837504 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-03-2025 | 1004 URAR | xxxxxx | 74.4 | 74.4 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-19-2025 | Eligible |  |  |
| 837510 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-11-2025 | 1073 Individual Condo Report | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-24-2025 | Eligible | 1 | 02-24-2025 |
| 837528 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-22-2025 | 1004 URAR | xxxxxx | 69.99 | 69.99 | xxxxxx | xxxxxx | .0077 | Collateral Underwriter (CU) |  |  |  |  | xxxxxx | xxxxxx | .0077 | 04-23-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 04-28-2025 | Not Eligible | 1.7 | 04-28-2025 |
| 837538 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-20-2025 | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 05-07-2025 |
| 837565 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-21-2025 | 1004 URAR | xxxxxx | 38.41 | 38.41 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 05-27-2025 | Not Eligible | 1.8 | 05-27-2025 |
| 837580 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-26-2025 | 1004 URAR | xxxxxx | 60.5 | 60.5 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-28-2025 |
| 837584 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-03-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 06-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | 06-03-2025 |
| 837587 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-08-2025 | 1025 Small Residential Income Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837594 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-04-2025 | 1004 URAR | xxxxxx | 33.65 | 68.8 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-07-2025 |
| 837597 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-16-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 05-23-2025 |
| 837607 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-09-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-14-2025 | Eligible | 2 | 05-14-2025 |
| 837608 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-02-2025 | 1073 Individual Condo Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-19-2025 | Eligible | 1.3 | 05-19-2025 |
| 837628 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-06-2025 | 1004 URAR | xxxxxx | 60.61 | 60.61 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-13-2025 | Eligible | 1.1 | 04-13-2025 |
| 837675 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-22-2025 | 1004 URAR | xxxxxx | 52.39 | 52.39 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | 02-26-2025 |
| 837682 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-20-2025 | 1025 Small Residential Income Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837700 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-14-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 02-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 03-13-2025 |
| 837701 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-07-2025 | 1004 URAR | xxxxxx | 54.0 | 54.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 04-21-2025 |
| 837702 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-24-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837706 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-16-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-30-2025 | Eligible |  |  |
| 837707 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-06-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-28-2025 |
| 837709 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-10-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-14-2025 |
| 837715 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-14-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837717 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-10-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837781 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-19-2025 | 1073 Individual Condo Report | xxxxxx | 68.9 | 68.9 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 05-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837789 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-08-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | xxxxxx | -.0134 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0134 | xxxxxx | Low Risk | 05-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837853 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-04-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 05-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 05-20-2025 |
| 837997 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-23-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-25-2025 |
| 838096 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-07-2025 | 1004 URAR | xxxxxx | 33.67 | 79.91 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 05-09-2025 | Eligible | 1.7 | 05-09-2025 |
| 838107 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-28-2025 | 1004 URAR | xxxxxx | 54.04 | 54.04 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 05-12-2025 |
| 838108 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-08-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 05-12-2025 |
| 838123 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-09-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-12-2025 | Eligible | 1.4 | 04-12-2025 |
| 838130 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-12-2025 | 1004 URAR | xxxxxx | 19.08 | 45.89 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 05-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-20-2025 |
| 838164 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-01-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-13-2025 |  |  |  |  |  |  |  |  |  |  | 1 | 05-16-2025 | Eligible | 1.8 | 05-16-2025 |
| 838172 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-21-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 05-24-2025 | Eligible | 1.4 | 05-24-2025 |
| 838192 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-16-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-20-2025 |
| 838218 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-02-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-05-2025 | Eligible | 1 | 05-05-2025 |
| 838231 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-21-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 05-23-2025 | Eligible | 1.6 | 05-23-2025 |
| 838412 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-19-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-27-2025 | Eligible | 1 | 05-27-2025 |
| 838437 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-13-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 03-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | 03-13-2025 |
| 838530 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-13-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 05-22-2025 |
| 838632 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-29-2025 | 1073 Individual Condo Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 |  |
| 838715 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-09-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-28-2025 |  |  |  |  |  |  |  |  |  |  | 1 | 05-13-2025 | Eligible | 1.5 | 05-13-2025 |
| 838733 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-21-2025 | 1004 URAR | xxxxxx | 71.45 | 71.45 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 05-30-2025 |
| 838734 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-19-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-20-2025 | Eligible |  |  |
| 838950 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-15-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-28-2025 | Eligible | 1.3 | 05-28-2025 |
| 839363 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-14-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-17-2025 |
| 839394 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-23-2025 | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-23-2025 |
| 839400 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-23-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-25-2025 |
| 839401 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-15-2025 | 1004 URAR | xxxxxx | 78.0 | 78.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 05-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839402 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-03-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-05-2025 |
| 839404 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-24-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 04-24-2025 |
| 839405 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-12-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 02-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 04-07-2025 |
| 839407 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-12-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 05-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 05-15-2025 |
| 839408 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-06-2025 | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-13-2025 | Eligible | 3.1 |  |
| 839409 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-22-2025 | 1025 Small Residential Income Report | xxxxxx | 34.32 | 34.32 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 03-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-23-2025 |
| 839410 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-19-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 04-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839411 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-04-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-08-2025 |
| 839412 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-15-2025 | 1004 URAR | xxxxxx | 82.78 | 82.78 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-18-2025 |
| 839413 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-16-2025 | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 05-01-2025 |
| 839420 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-01-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-25-2025 |
| 839421 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-10-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839422 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-31-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 04-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-06-2025 |
| 839465 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-24-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 06-03-2025 | Eligible | 1 | 05-29-2025 |
| 839478 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-12-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 06-11-2025 | Eligible |  |  |
| 839595 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-22-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-27-2025 | Eligible | 1.6 | 05-27-2025 |
| 839675 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-12-2025 | 1073 Individual Condo Report | xxxxxx | 64.29 | 64.29 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 06-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 05-23-2025 |
| 839691 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-21-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-22-2025 |
| 839744 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-19-2025 | 1025 Small Residential Income Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 05-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839749 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-28-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-02-2025 | Eligible | 1 | 06-02-2025 |
| 839789 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-27-2025 | 1004 URAR | xxxxxx | 61.54 | 61.54 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 06-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-03-2025 |
| 839915 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-07-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 05-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 05-13-2025 |
| 839967 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-17-2025 | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 06-06-2025 | Eligible | 1.8 | 06-06-2025 |
| 839982 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-20-2025 | 1025 Small Residential Income Report | xxxxxx | 64.71 | 64.71 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 05-21-2025 |
| 840144 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-27-2025 | 1004 URAR | xxxxxx | 56.25 | 56.25 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-30-2025 | Eligible | 1 | 05-30-2025 |
| 840188 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-24-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 03-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-28-2025 |
| 840192 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-19-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 03-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-26-2025 |
| 840194 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-01-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-28-2025 |
| 840195 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-06-2025 | 1004 URAR | xxxxxx | 46.29 | 46.29 | xxxxxx | xxxxxx | -.0857 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0857 | xxxxxx | Moderate Risk | 05-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-15-2025 |
| 840200 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-15-2025 | 1073 Individual Condo Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 03-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-17-2025 |
| 840578 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-03-2025 | 1025 Small Residential Income Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833075 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-24-2025 | 1025 Small Residential Income Report | xxxxxx | 65.0 | 65.0 | xxxxxx | xxxxxx | -.0106 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0106 | 89.0 | 0.11 | xxxxxx | xxxxxx | 07-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.15

**EXHIBIT 99.15**

**CLARIFII LLC ("CLARIFII") EXECUTIVE SUMMARY**

![](tm2521783d1_ex99-15img001.jpg)

**EXECUTIVE SUMMARY**

**Verus 2025-7**

**By Clarifii LLC on July 25, 2025**

VERUS 2025-7 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 1

![](tm2521783d1_ex99-15img001.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 471 Loans (the "Loans") originated by a correspondent lender and acquired by VMC Asset Pooler, LLC or its affiliates (the "Client") for the Verus 2025-7 transaction. The Loans referenced in this narrative report were reviewed between 11/2024 to 07/2025 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the Loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;57 | &nbsp;&nbsp;12.10% | &nbsp;&nbsp;$26803931.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;129 | &nbsp;&nbsp;27.39% | &nbsp;&nbsp;$69082538.00 |
| &nbsp;&nbsp;Correspondent Flow without Delegated UW | &nbsp;&nbsp;19 | &nbsp;&nbsp;4.03% | &nbsp;&nbsp;$12208280.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;266 | &nbsp;&nbsp;56.48% | &nbsp;&nbsp;$148776941.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**471** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$256871690.00** |

---

The Review consisted of a population of 471 Loans, with an aggregate principal balance of $256,871,690.

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

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

**LOAN SAMPLING**

The 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.

VERUS 2025-7 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 2

![](tm2521783d1_ex99-15img001.jpg)

The Review was conducted consistent with the criteria for the Nationally Recognized

Statistical Rating Organizations ("NRSROs") specified below:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp; <br> 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<br>|
| &nbsp;&nbsp;Moody's Investors Service, Inc. | &nbsp;&nbsp; Moody's Approach to Rating U.S. RMBS Using the MILAN Framework dated July 18, 2024 |

---

**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.

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Field** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;Initial Interest Rate |
| &nbsp;&nbsp;ARM Initial Fixed Rate Period |
| &nbsp;&nbsp;ARM Initial Interest Rate Cap |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Cap Maximum |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Minimum |
| &nbsp;&nbsp;ARM Rate Index Type |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Citizen |
| &nbsp;&nbsp;Borrower 1 Country Name |
| &nbsp;&nbsp;Borrower 1 Credit Report Date |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 1 Employer 2 Position |
| &nbsp;&nbsp;Borrower 1 Employer 2 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 1 Face-to-Face Interview |
| &nbsp;&nbsp;Borrower 1 First Name |

---

VERUS 2025-7 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 3

![](tm2521783d1_ex99-15img001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs |
| &nbsp;&nbsp;Borrower 1 How was title held? |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Marital Status |
| &nbsp;&nbsp;Borrower 1 Middle Name |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 |
| &nbsp;&nbsp;Borrower 1 Name of Employer 2 |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 1 Other Income |
| &nbsp;&nbsp;Borrower 1 Phone Number |
| &nbsp;&nbsp;Borrower 1 Qualifying Income |
| &nbsp;&nbsp;Borrower 1 Race - Asian |
| &nbsp;&nbsp;Borrower 1 Race - Chinese |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Race - Korean |
| &nbsp;&nbsp;Borrower 1 Race - Vietnamese |
| &nbsp;&nbsp;Borrower 1 Rent or Own |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Sex - Female |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Sex - Male |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 1 Telephone Interview |
| &nbsp;&nbsp;Borrower 1 Verified Citizenship Designation |
| &nbsp;&nbsp;Borrower 1 Years in Current Home |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 2 Qualifying Income |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Blanket Mortgage Flag |
| &nbsp;&nbsp;Business Entity EIN |
| &nbsp;&nbsp;Business Purpose Flag |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close |
| &nbsp;&nbsp;Closing/Settlement Date |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;HOA Flag |
| &nbsp;&nbsp;Index |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |

---

VERUS 2025-7 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 4

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---

| |
|:---|
| &nbsp;&nbsp;Initial Originator Signature Date |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Is the Condo Project warrantable |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Origination Company |
| &nbsp;&nbsp;Loan Origination Company NMLS |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Margin |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Monthly Hazard Insurance Premium |
| &nbsp;&nbsp;Monthly Property Tax Amount |
| &nbsp;&nbsp;Negative Amortization Flag |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Origination Foreclosure Flag |
| &nbsp;&nbsp;Originator Doc Type |
| &nbsp;&nbsp;Originator QM Status |
| &nbsp;&nbsp;Payment Frequency |
| &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Prepayment Penalty Calculation |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property Attachment Type |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property Rights |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;QM Qualifying Total Debt Income Ratio |

---

VERUS 2025-7 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 5

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---

| |
|:---|
| &nbsp;&nbsp;Qualifying Amortization Term |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying HLTV |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Loan Amount |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Monthly P&I Amount |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Required Subject Property Reserves Amount |
| &nbsp;&nbsp;Reviewed Total Housing Expense PITIA |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Subject Property Gross Rental income |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves |
| &nbsp;&nbsp;Total Qualifying Income |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Underwriting Guideline Name |
| &nbsp;&nbsp;Verified Doc Type |
| &nbsp;&nbsp;Vested Business Entity Name |

---

**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:

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

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

- Assets and Reserves

- Gross Income

- Lien Position

- Loan Purpose

- Housing History

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

- Monthly Debt

- Occupancy

- Property Type

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

- Debt to Income Ratio (DTI)

- Residual Income

- Debt Service Coverage Ratio (DSCR)

VERUS 2025-7 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 6

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

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

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

- Borrower(s) employment history

- Citizenship and eligibility

- First time home buyer status

- The application was signed by all borrowers

- The application was substantially complete

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

Clarifii verified the following items:

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

- Bankruptcy and foreclosure seasoning

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

- Installment and revolving payment history

- Mortgage/Rental payment history

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

- Number of tradelines

- Credit Score(s) and Qualifying Score Methodology

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

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

- Tax returns

- Financial statements

Paystubs

- IRS Form W-2s

- IRS Form 1099

- IRS documents

- Bank statements

- Lease agreements

- Award letters

- Other documentation in Loan file

VERUS 2025-7 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 7

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

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

- Borrower identity

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

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

- Occupancy

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

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

- Employment

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

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

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

OFAC

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

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

- Verification of deposits (VOD)

- Depository account statements

- Stock or security account statements

- Gift funds

- Settlements statements

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

- Other documentation in Loan file

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

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

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

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

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

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

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

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

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

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

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

- Calculated DSCR, as required by guidelines

- Confirmed documentation requirements have been met

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

VERUS 2025-7 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 8

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**DOCUMENT REVIEW**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Note** 

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

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

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

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

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

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

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

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

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

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

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

**COMPLIANCE REVIEW**

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

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

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

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

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

VERUS 2025-7 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 9

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&nbsp;&nbsp;&nbsp;&nbsp;· **Compliance Documentation Requirements** 

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

- Initial and final application (1003)

- Note, including all addendums

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

- Mortgage / Deed of Trust, including all riders

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

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

- Notice of Right to Cancel (when applicable)

- Rate Lock Date

- HOEPA Disclosures (when applicable)

- Initial Escrow Account Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;· **Anti-Predatory Lending (Assignee Liability)** 

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Compliance Testing of Truth-in-Lending Act (TILA)/Regulation Z Elements** 

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

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

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

**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

VERUS 2025-7 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 10

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

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

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

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

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

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

**Miscellaneous Compliance Testing**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **State and Local Anti-Predatory Requirements** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

VERUS 2025-7 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 11

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

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

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

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

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

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

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

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

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

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

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

- 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.

VERUS 2025-7 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 12

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- 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. <br>

&nbsp;&nbsp;&nbsp;&nbsp;· **Business Purpose Loan Compliance Review** 

- Non-Owner Occupied Declaration Disclosure

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

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

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

- Review Note accuracy and properly executed

- Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

- Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

- Letter of Explanation detailing the use of proceeds.

- Borrower's statement of purpose for the Loan.

- State License requirements when applicable

- State Predatory lending and high cost when applicable

VERUS 2025-7 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 13

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**QUALIFIED MORTGAGE (QM)**

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

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

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.

VERUS 2025-7 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 14

![](tm2521783d1_ex99-15img001.jpg)

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

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

**VALUATION REVIEW**

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA)** <br> 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.

&nbsp;&nbsp;&nbsp;&nbsp;· **Uniform Standards of Professional Appraisal Practice (USPAP)** <br>

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

**INDEPENDENT THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

&nbsp;&nbsp;&nbsp;&nbsp;· If the AVM (Automated Valuation Model)
or AVE/CMA (Automated Valuation Estimate/ Comparative Market Analysis) supported the origination appraised value within -10% variance,
no additional products were required.

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

&nbsp;&nbsp;&nbsp;&nbsp;· In the event the Desk Review process yielded material exceptions
or had a value exceeding a negative ten percent (-10%) variance, a field review was ordered to further establish the supported value,
unless guidelines allowed for the use of the lower Desk Review or Broker Price Opinion value for purpose of LTV/CLTV/HCLTV.

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

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

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

VERUS 2025-7 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 15

![](tm2521783d1_ex99-15img001.jpg)

**VALUATION RESULTS SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – <br> No Hit** | &nbsp;&nbsp;**# of Files > -10% <br> Variance to OA or <br> Confidence < 80%** | &nbsp;&nbsp;**Number of Files <br> within -10% of OA<br> or Acceptable<br> UCDP Risk Score** |
| &nbsp;&nbsp;No Secondary Product | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;AVE/CMA | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;LCA and/or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;237 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;205 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Enhanced Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 |

---

*One loan in the population is multi-property and is not included in the table above. Please refer to the Clarifii Multi-Property Reports for valuation details.*

**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.

VERUS 2025-7 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 16

![](tm2521783d1_ex99-15img001.jpg)

**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. |
| **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. |

---

VERUS 2025-7 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 17

![](tm2521783d1_ex99-15img001.jpg)

**Compliance Event Grade** 

---

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

---

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Grade Summary S&P** | &nbsp;&nbsp;**Overall Grade Summary S&P** | &nbsp;&nbsp;**Overall Grade Summary S&P** |
| &nbsp;&nbsp;**Overall Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;331 | &nbsp;&nbsp;70.28% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;139 | &nbsp;&nbsp;29.51% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.21% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**471** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Grade Summary Moody's** | &nbsp;&nbsp;**Overall Grade Summary Moody's** | &nbsp;&nbsp;**Overall Grade Summary Moody's** |
| &nbsp;&nbsp;**Overall Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;289 | &nbsp;&nbsp;61.36% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;111 | &nbsp;&nbsp;23.57% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1 | &nbsp;&nbsp;.21% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;70 | &nbsp;&nbsp;14.86% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**471** | &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.

VERUS 2025-7 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 18

![](tm2521783d1_ex99-15img001.jpg)

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Grade Summary S&P** | &nbsp;&nbsp;**Credit Grade Summary S&P** | &nbsp;&nbsp;**Credit Grade Summary S&P** |
| &nbsp;&nbsp;**Credit Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;379 | &nbsp;&nbsp;80.47% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;92 | &nbsp;&nbsp;19.53% |
| &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;**471** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Grade Summary Moody's** | &nbsp;&nbsp;**Credit Grade Summary Moody's** | &nbsp;&nbsp;**Credit Grade Summary Moody's** |
| &nbsp;&nbsp;**Credit Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;323 | &nbsp;&nbsp;68.58% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;78 | &nbsp;&nbsp;16.56% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;70 | &nbsp;&nbsp;14.86% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**471** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary S&P** | &nbsp;&nbsp;**Property Grade Summary S&P** | &nbsp;&nbsp;**Property Grade Summary S&P** |
| &nbsp;&nbsp;**Property Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;468 | &nbsp;&nbsp;99.36% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.64% |
| &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;**471** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary Moody's** | &nbsp;&nbsp;**Property Grade Summary Moody's** | &nbsp;&nbsp;**Property Grade Summary Moody's** |
| &nbsp;&nbsp;**Property Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;399 | &nbsp;&nbsp;84.71% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.42% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;70 | &nbsp;&nbsp;14.86% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**471** | &nbsp;&nbsp;**100.00%** |

---

VERUS 2025-7 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 19

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary S&P** | &nbsp;&nbsp;**Compliance Grade Summary S&P** | &nbsp;&nbsp;**Compliance Grade Summary S&P** |
| &nbsp;&nbsp;**Compliance Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;417 | &nbsp;&nbsp;88.54% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;53 | &nbsp;&nbsp;11.25% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.21% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**471** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary Moody's** | &nbsp;&nbsp;**Compliance Grade Summary Moody's** | &nbsp;&nbsp;**Compliance Grade Summary Moody's** |
| &nbsp;&nbsp;**Compliance Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;364 | &nbsp;&nbsp;77.28% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;36 | &nbsp;&nbsp;7.64% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.21% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;70 | &nbsp;&nbsp;14.86% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**471** | &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;2.12% | &nbsp;&nbsp;$8848881.00 |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;461 | &nbsp;&nbsp;97.88% | &nbsp;&nbsp;$248022809.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**471** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$256871690.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;220 | &nbsp;&nbsp;46.71% | &nbsp;&nbsp;$139428317.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;15 | &nbsp;&nbsp;3.18% | &nbsp;&nbsp;$7438894.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;236 | &nbsp;&nbsp;50.11% | &nbsp;&nbsp;$110004479.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**471** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$256871690.00** |

---

VERUS 2025-7 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 20

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;219 | &nbsp;&nbsp;46.50% | &nbsp;&nbsp;$99561716.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;252 | &nbsp;&nbsp;53.50% | &nbsp;&nbsp;$157309974.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**471** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$256871690.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;401 | &nbsp;&nbsp;85.14% | &nbsp;&nbsp;$240884757.00 |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;70 | &nbsp;&nbsp;14.86% | &nbsp;&nbsp;$15986933.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**471** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$256871690.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;180 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.85% | &nbsp;&nbsp;$594953.00 |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;8 | &nbsp;&nbsp;1.70% | &nbsp;&nbsp;$3754253.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;454 | &nbsp;&nbsp;96.39% | &nbsp;&nbsp;$252019940.00 |
| &nbsp;&nbsp;240 | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.06% | &nbsp;&nbsp;$502544.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**471** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$256871690.00** |

---

**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 Field** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**Accuracy <br> %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;106 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;7 | &nbsp;&nbsp;71 | &nbsp;&nbsp;90.14% |
| &nbsp;&nbsp;Initial Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Initial Fixed Rate Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Initial Interest Rate Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Cap Maximum | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Minimum | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Rate Index Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;71 | &nbsp;&nbsp;100.00% |

---

VERUS 2025-7 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 21

![](tm2521783d1_ex99-15img001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;28 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;71 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Country Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;14 | &nbsp;&nbsp;85.71% |
| &nbsp;&nbsp;Borrower 1 Credit Report Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;92.31% |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;58 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 2 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 2 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Face-to-Face Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;8 | &nbsp;&nbsp;462 | &nbsp;&nbsp;98.27% |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;2 | &nbsp;&nbsp;14 | &nbsp;&nbsp;85.71% |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 How was title held? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;9 | &nbsp;&nbsp;464 | &nbsp;&nbsp;98.06% |
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Middle Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer 2 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation | &nbsp;&nbsp;2 | &nbsp;&nbsp;57 | &nbsp;&nbsp;96.49% |
| &nbsp;&nbsp;Borrower 1 Other Income | &nbsp;&nbsp;2 | &nbsp;&nbsp;13 | &nbsp;&nbsp;84.62% |
| &nbsp;&nbsp;Borrower 1 Phone Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;56 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Asian | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Chinese | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Korean | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Vietnamese | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;14 | &nbsp;&nbsp;92.86% |
| &nbsp;&nbsp;Borrower 1 Sex - Female | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |

---

VERUS 2025-7 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 22

![](tm2521783d1_ex99-15img001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;255 | &nbsp;&nbsp;99.61% |
| &nbsp;&nbsp;Borrower 1 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Verified Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Years in Current Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Blanket Mortgage Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Business Entity EIN | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;8 | &nbsp;&nbsp;94 | &nbsp;&nbsp;91.49% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;22 | &nbsp;&nbsp;98 | &nbsp;&nbsp;77.55% |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Closing/Settlement Date | &nbsp;&nbsp;16 | &nbsp;&nbsp;26 | &nbsp;&nbsp;38.46% |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;13 | &nbsp;&nbsp;180 | &nbsp;&nbsp;92.78% |
| &nbsp;&nbsp;HOA Flag | &nbsp;&nbsp;2 | &nbsp;&nbsp;57 | &nbsp;&nbsp;96.49% |
| &nbsp;&nbsp;Index | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;78 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Originator Signature Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;14 | &nbsp;&nbsp;57.14% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;402 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;19 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;8 | &nbsp;&nbsp;466 | &nbsp;&nbsp;98.28% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;161 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Is the Condo Project warrantable | &nbsp;&nbsp;4 | &nbsp;&nbsp;8 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;1 | &nbsp;&nbsp;403 | &nbsp;&nbsp;99.75% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;17 | &nbsp;&nbsp;399 | &nbsp;&nbsp;95.74% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;471 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company NMLS | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;3 | &nbsp;&nbsp;369 | &nbsp;&nbsp;99.19% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;471 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;2 | &nbsp;&nbsp;9 | &nbsp;&nbsp;77.78% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;105 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;0 | &nbsp;&nbsp;71 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Monthly Hazard Insurance Premium | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Monthly Property Tax Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;32 | &nbsp;&nbsp;111 | &nbsp;&nbsp;71.17% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;328 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |

---

VERUS 2025-7 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 23

![](tm2521783d1_ex99-15img001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;5 | &nbsp;&nbsp;457 | &nbsp;&nbsp;98.91% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;468 | &nbsp;&nbsp;99.79% |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;5 | &nbsp;&nbsp;13 | &nbsp;&nbsp;61.54% |
| &nbsp;&nbsp;Payment Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Calculation | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;26 | &nbsp;&nbsp;96.15% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;412 | &nbsp;&nbsp;99.76% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;4 | &nbsp;&nbsp;144 | &nbsp;&nbsp;97.22% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;11 | &nbsp;&nbsp;471 | &nbsp;&nbsp;97.66% |
| &nbsp;&nbsp;Property Attachment Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;4 | &nbsp;&nbsp;466 | &nbsp;&nbsp;99.14% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;111 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Rights | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;469 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;102 | &nbsp;&nbsp;425 | &nbsp;&nbsp;76.00% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;2 | &nbsp;&nbsp;466 | &nbsp;&nbsp;99.57% |
| &nbsp;&nbsp;QM Qualifying Total Debt Income Ratio | &nbsp;&nbsp;2 | &nbsp;&nbsp;5 | &nbsp;&nbsp;60.00% |
| &nbsp;&nbsp;Qualifying Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;313 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;18 | &nbsp;&nbsp;436 | &nbsp;&nbsp;95.87% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;17 | &nbsp;&nbsp;397 | &nbsp;&nbsp;95.72% |
| &nbsp;&nbsp;Qualifying HLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;310 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Qualifying Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;19 | &nbsp;&nbsp;449 | &nbsp;&nbsp;95.77% |
| &nbsp;&nbsp;Qualifying Monthly P&I Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;70 | &nbsp;&nbsp;323 | &nbsp;&nbsp;78.33% |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA | &nbsp;&nbsp;2 | &nbsp;&nbsp;3 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;3 | &nbsp;&nbsp;10 | &nbsp;&nbsp;70.00% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;159 | &nbsp;&nbsp;99.37% |
| &nbsp;&nbsp;Required Subject Property Reserves Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Reviewed Total Housing Expense PITIA | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;5 | &nbsp;&nbsp;252 | &nbsp;&nbsp;98.02% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;310 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Subject Property Gross Rental income | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;387 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Total Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;1 | &nbsp;&nbsp;70 | &nbsp;&nbsp;98.57% |
| &nbsp;&nbsp;Underwriting Guideline Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;44 | &nbsp;&nbsp;97.73% |
| &nbsp;&nbsp;Vested Business Entity Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |

---

VERUS 2025-7 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 24

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. Multi-Property Data Extract Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. Rating Agency Multi-Property Valuation Report.

**Disclaimer**

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

 

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

 

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

 

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

 

*The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such. Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party. Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance.*© 2025 Clarifii LLC. All rights reserved.

VERUS 2025-7 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 25

## Exhibit 99.16

**EXHIBIT 99.16**

**clarifii rating agency grades detail report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller 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** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 827752 | xxxxxx D B A C | Closed | xxxxxx | 2025-04-24 12:22 | 2025-04-30 10:53 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-04/30/2025 <br> Open-xxxxxx; Incident Period: xxxxxx. PDI required. - Due Diligence Vendor-04/24/2025 |  | Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-04/30/2025 | Qualifying FICO score is at least 20 points above minimum for program - 718 FICO with 680 min<br> Qualifying DTI below maximum allowed - 24.02% DTI with 50% max |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 827752 | xxxxxx D B A C | Closed | xxxxxx | 2025-03-24 10:20 | 2025-04-25 12:22 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-The request for an exception to Client's eligibility criteria is granted for subject 1st lien not reporting on the credit report, applied to non material finding with comp factors - Due Diligence Vendor-04/25/2025 <br> Open-First liens for the subject property not reporting on credit report are ineligible - Due Diligence Vendor-03/24/2025 |  | Waived-The request for an exception to Client's eligibility criteria is granted for subject 1st lien not reporting on the credit report, applied to non material finding with comp factors - Due Diligence Vendor-04/25/2025 | Qualifying FICO score is at least 20 points above minimum for program - 718 FICO with 680 min<br> Qualifying DTI below maximum allowed - 24.02% DTI with 50% max | Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Self-employed for > 10 years / Compensating Factor 3 - DTI <= 36% which is below requirement in guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 827752 | xxxxxx D B A C | Closed | xxxxxx | 2025-03-24 10:20 | 2025-04-24 10:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received complete statements confirming 12 months paid current. - Due Diligence Vendor-04/24/2025 <br> Counter-Statements for subject property provided, however we are missing 12/2024 and 10/2024. Payment history for xxxxxx provided. - Due Diligence Vendor-04/15/2025 <br> Ready for Review-Document Uploaded. MANUAL UPLOAD - Buyer-04/14/2025 <br> Counter-Missing VOM-statement and printout received does not provide complete payment history nor supports rate changes - only received page 1 of printout. Finding remains. - Due Diligence Vendor-03/31/2025 <br> Counter-Received mtg statement. Finding remains: Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOM on 1st lien for subject property and for property xxxxxx on Final 1003 - Due Diligence Vendor-03/27/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOM on 1st lien for subject property and for property xxxxxx on Final 1003 - Due Diligence Vendor-03/24/2025 |  | Resolved-Received complete statements confirming 12 months paid current. - Due Diligence Vendor-04/24/2025 | Qualifying FICO score is at least 20 points above minimum for program - 718 FICO with 680 min<br> Qualifying DTI below maximum allowed - 24.02% DTI with 50% max |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 827752 | xxxxxx D B A C | Closed | xxxxxx | 2025-03-24 10:28 | 2025-04-03 11:02 | Resolved | 1 - Information C A | Credit | Eligibility | Missing First Mtg Note | Resolved-Received 1st lien note - Due Diligence Vendor-04/03/2025 <br> Counter-Received 1st lien note dated xxxxxx-P&L does not match mortgage statement received dated 2/12/2025. Clarify and confirm - provide 1st lien note. - Due Diligence Vendor-03/27/2025 <br> Open-Missing First Mtg Note - Due Diligence Vendor-03/24/2025 |  | Resolved-Received 1st lien note - Due Diligence Vendor-04/03/2025 | Qualifying FICO score is at least 20 points above minimum for program - 718 FICO with 680 min<br> Qualifying DTI below maximum allowed - 24.02% DTI with 50% max |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 827752 | xxxxxx D B A C | Closed | xxxxxx | 2025-03-20 07:47 | 2025-03-27 07:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Received initial 1003, 9/26/2024. Finding resolved. - Due Diligence Vendor-03/27/2025 <br> Open-The Initial 1003 is Missing ----Provide the Initial Application. - Due Diligence Vendor-03/20/2025 |  | Resolved-Received initial 1003, 9/26/2024. Finding resolved. - Due Diligence Vendor-03/27/2025 | Qualifying FICO score is at least 20 points above minimum for program - 718 FICO with 680 min<br> Qualifying DTI below maximum allowed - 24.02% DTI with 50% max |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |

| 828780 | xxxxxx C A | Closed | xxxxxx | 2025-01-21 15:03 | 2025-02-10 11:03 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Prior loan was a blanket mortgage per title, pay history provided. - Due Diligence Vendor-02/10/2025 <br> Ready for Review-Document Uploaded. - Seller-02/07/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing 12-month housing payment history for subject property. Additional conditions may apply. - Due Diligence Vendor-01/21/2025 | Ready for Review-Document Uploaded. - Seller-02/07/2025 | Resolved-Prior loan was a blanket mortgage per title, pay history provided. - Due Diligence Vendor-02/10/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640. Borrower FICO 736.<br> LTV is less than guideline maximum - Max LTV 75%. Subject LTV 59.60% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 828780 | xxxxxx C A | Closed | xxxxxx | 2025-01-22 11:04 | 2025-02-07 17:28 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Received the payoff. - Due Diligence Vendor-02/07/2025 <br> Ready for Review-Document Uploaded. - Seller-02/07/2025 <br> Open-Per title appears subject loan being paid off is part of a cross collateralized loan. Missing payoff from lender to confirm payoff for subject property, late fees, deferred balance, or delinquent interest are subject to housing history and/or credit event criteria. Additional conditions may apply. - Due Diligence Vendor-01/22/2025 | Ready for Review-Document Uploaded. - Seller-02/07/2025 | Resolved-Received the payoff. - Due Diligence Vendor-02/07/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640. Borrower FICO 736.<br> LTV is less than guideline maximum - Max LTV 75%. Subject LTV 59.60% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 828780 | xxxxxx C A | Closed | xxxxxx | 2025-01-22 11:01 | 2025-02-07 16:08 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Social security verification for Borrower with SS verified as match provided. - Due Diligence Vendor-02/07/2025 <br> Ready for Review-Document Uploaded. - Seller-02/05/2025 <br> Open-Fraud Report Shows Uncleared Alerts Missing documentation to clear social security alert on xxxxxx for B1. - Due Diligence Vendor-01/22/2025 | Ready for Review-Document Uploaded. - Seller-02/05/2025 | Resolved-Social security verification for Borrower with SS verified as match provided. - Due Diligence Vendor-02/07/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640. Borrower FICO 736.<br> LTV is less than guideline maximum - Max LTV 75%. Subject LTV 59.60% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 828780 | xxxxxx C A | Closed | xxxxxx | 2025-01-22 10:52 | 2025-02-07 16:05 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Evidence of good standing, operating agreement, cert. of formation, and tax EIN provided. - Due Diligence Vendor-02/07/2025 <br> Ready for Review-Document Uploaded. - Seller-02/05/2025 <br> Open-The Business Entity Formation Document is incomplete Vesting in LLC missing required documents per lender guidelines 4.1.2.2. Entity articles of organization or partnership (or equivalent), Evidence of good standing, Entity documents authorizing the guarantor to execute loan documents on behalf of the entity (e.g., Operating Agreement, Certificate of Authorization) and Entity documents that include a list of members/managers and ownership percentage (e.g., organization structure) - Due Diligence Vendor-01/22/2025 | Ready for Review-Document Uploaded. - Seller-02/05/2025 | Resolved-Evidence of good standing, operating agreement, cert. of formation, and tax EIN provided. - Due Diligence Vendor-02/07/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640. Borrower FICO 736.<br> LTV is less than guideline maximum - Max LTV 75%. Subject LTV 59.60% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 828783 | xxxxxx C A | Closed | xxxxxx | 2025-03-06 13:34 | 2025-07-10 11:29 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-1004D provided however it was done post close. - Due Diligence Vendor-07/10/2025 <br> Ready for Review-Document Uploaded. - Seller-04/17/2025 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not Present Appraisal subject to a licensed xxxxxx inspection. Missing 1004D. - Due Diligence Vendor-03/06/2025 | Ready for Review-Document Uploaded. - Seller-04/17/2025 | Resolved-1004D provided however it was done post close. - Due Diligence Vendor-07/10/2025 | Months Reserves exceed minimum required - Guidelines require 2 months of reserves. Qualifying reserves are 44 months.<br> LTV is less than guideline maximum - Guidelines allow LTV to 70%. Subject loan LTV is 60%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 828783 | xxxxxx C A | Closed | xxxxxx | 2025-03-06 13:38 | 2025-03-10 09:31 | Resolved | 1 - Information C A | Credit | Eligibility | Missing First Mtg Note | Resolved-The pay history confirms the term is a 10 year fixed and not a balloon. - Due Diligence Vendor-03/10/2025 <br> Open-Mortgage being paid off is not reporting on credit per guides Copy of Note with terms of the loan required: Notes with a balloon feature with an expired maturity date exceeding 30 days require an extension to avoid being counted as delinquent. - Due Diligence Vendor-03/06/2025 |  | Resolved-The pay history confirms the term is a 10 year fixed and not a balloon. - Due Diligence Vendor-03/10/2025 | Months Reserves exceed minimum required - Guidelines require 2 months of reserves. Qualifying reserves are 44 months.<br> LTV is less than guideline maximum - Guidelines allow LTV to 70%. Subject loan LTV is 60%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 828783 | xxxxxx C A | Closed | xxxxxx | 2025-03-06 13:39 | 2025-03-10 09:29 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-social security verification provided. - Due Diligence Vendor-03/10/2025 <br> Ready for Review-Document Uploaded. - Seller-03/06/2025 <br> Open-Fraud Report Shows Uncleared Alerts Documentation not provided to clear SSN alert for B1. - Due Diligence Vendor-03/06/2025 | Ready for Review-Document Uploaded. - Seller-03/06/2025 | Resolved-social security verification provided. - Due Diligence Vendor-03/10/2025 | Months Reserves exceed minimum required - Guidelines require 2 months of reserves. Qualifying reserves are 44 months.<br> LTV is less than guideline maximum - Guidelines allow LTV to 70%. Subject loan LTV is 60%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 828783 | xxxxxx C A | Closed | xxxxxx | 2025-03-06 13:38 | 2025-03-10 09:29 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-The payoff confirms both the November and December payments were made, with no late fees listed. - Due Diligence Vendor-03/10/2025 <br> Open-Housing History Does Not Meet Guideline Requirements 12 month housing history is required for subject property. No documentation provide to verify mortgage pay history for subject property for last 12 months - Due Diligence Vendor-03/06/2025 |  | Resolved-The payoff confirms both the November and December payments were made, with no late fees listed. - Due Diligence Vendor-03/10/2025 | Months Reserves exceed minimum required - Guidelines require 2 months of reserves. Qualifying reserves are 44 months.<br> LTV is less than guideline maximum - Guidelines allow LTV to 70%. Subject loan LTV is 60%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 829004 | xxxxxx D A | Closed | xxxxxx | 2025-03-03 14:15 | 2025-04-28 15:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Assets) | Resolved-Received Amendment to Operating Agreement, borrower is 100% owner. - Due Diligence Vendor-04/28/2025 <br> Ready for Review-Document Uploaded. - Seller-04/24/2025 <br> Counter-Guidelines state - Full access letter required from all other business owner(s) if borrower is not 100% owner of the business. Finding remains. - Due Diligence Vendor-03/28/2025 <br> Ready for Review-no need for an access letter, can use 90% ($106,435.8) <br> sufficient funds - Seller-03/26/2025 <br> Open-Need LOX- Full access letter required from all other business owner(s) if borrower is not 100% owner of the business, 90% owner of xxxxxx - Due Diligence Vendor-03/03/2025 | Ready for Review-Document Uploaded. - Seller-04/24/2025 <br> Ready for Review-no need for an access letter, can use 90% ($106,435.8) <br> sufficient funds - Seller-03/26/2025 | Resolved-Received Amendment to Operating Agreement, borrower is 100% owner. - Due Diligence Vendor-04/28/2025 | Months Reserves exceed minimum required - 47.94 months PITIA reserves; 6 months reserves required.<br> LTV is less than guideline maximum - LTV 70% Max is 75%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 829004 | xxxxxx D A | Closed | xxxxxx | 2025-03-03 12:26 | 2025-03-28 16:22 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Affidavit - Due Diligence Vendor-03/28/2025 <br> Ready for Review-Document Uploaded. - Seller-03/27/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing Occupancy affidavit only provided, guide requires both. - Due Diligence Vendor-03/04/2025 | Ready for Review-Document Uploaded. - Seller-03/27/2025 | Resolved-Received Business Purpose Affidavit - Due Diligence Vendor-03/28/2025 | Months Reserves exceed minimum required - 47.94 months PITIA reserves; 6 months reserves required.<br> LTV is less than guideline maximum - LTV 70% Max is 75%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 829512 | xxxxxx D B C A | Closed | xxxxxx | 2025-01-29 12:03 | 2025-02-05 10:25 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received the CDA Report. - Due Diligence Vendor-02/05/2025 <br> Open-Additional valuation product has not been provided. Missing secondary valuation to support appraised value. - Due Diligence Vendor-01/29/2025 |  | Resolved-Received the CDA Report. - Due Diligence Vendor-02/05/2025 | Credit history exceeds minimum required - Greater than minimum 12 months required<br> Months Reserves exceed minimum required - 7 available vs. 3 required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 829512 | xxxxxx D B C A | Closed | xxxxxx | 2025-01-29 13:20 | 2025-02-04 10:20 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client granted an exception for LTV exceeding max allowed of 70%, waiver applied to non material finding with comp factors. - Due Diligence Vendor-06/06/2025 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% DSCR less than 1 max LTV 70% for cash out. - Due Diligence Vendor-01/29/2025 |  | Waived-Client granted an exception for LTV exceeding max allowed of 70%, waiver applied to non material finding with comp factors. - Due Diligence Vendor-06/06/2025 | Credit history exceeds minimum required - Greater than minimum 12 months required<br> Months Reserves exceed minimum required - 7 available vs. 3 required. | -Compensating Factor 1 - Subject property home ownership.<br> - Compensating Factor 2 - Reserves exceed requirement by 2 months or more. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 829752 | xxxxxx D B A | Closed | xxxxxx | 2025-03-26 16:32 | 2025-04-30 13:42 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Missing EIN Number for Business Entity | Resolved-EIN provided. - Due Diligence Vendor-04/30/2025 <br> Open-Missing EIN # - Due Diligence Vendor-03/26/2025 |  | Resolved-EIN provided. - Due Diligence Vendor-04/30/2025 | LTV is less than guideline maximum - Borr LTV 49%. Per guides, maximum LTV 65%.<br> Months Reserves exceed minimum required - 102.06mos reserves. Per guides, 2 reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 829752 | xxxxxx D B A | Closed | xxxxxx | 2025-03-25 19:38 | 2025-03-26 16:37 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 642 is less than Guideline FICO of 660 Score 642. Per guides minimum FICO 660. Client exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to not ATR affecting. - Due Diligence Vendor-03/26/2025 |  | Waived-Audited FICO of 642 is less than Guideline FICO of 660 Score 642. Per guides minimum FICO 660. Client exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to not ATR affecting. - Due Diligence Vendor-03/26/2025 | LTV is less than guideline maximum - Borr LTV 49%. Per guides, maximum LTV 65%.<br> Months Reserves exceed minimum required - 102.06mos reserves. Per guides, 2 reserves required. | Experienced investor owns and manages 5 or more properties for 12 months. <br> Reserves exceed requirement by 10 months or more. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 829875 | xxxxxx D B A | Closed | xxxxxx | 2025-03-12 10:39 | 2025-05-27 11:56 | Waived | 2 - Non-Material D B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Received lender attestation of no affiliates. Client waiver applied to non-material Findings. - Due Diligence Vendor-05/27/2025 <br> Open-Required Affiliated Business Disclosure Missing ----- Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-03/12/2025 |  | Waived-Received lender attestation of no affiliates. Client waiver applied to non-material Findings. - Due Diligence Vendor-05/27/2025 | On time mortgage history exceeds guideline requirement - Credit report reports on time mortgage history for last 48 months<br> Qualifying DTI below maximum allowed - DTI of 31.51% is less than the maximum allowed per guidelines of 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 829875 | xxxxxx D B A | Closed | xxxxxx | 2025-03-17 10:08 | 2025-05-27 09:18 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Hazard Insurance Policy is Partial | Waived-Client provided a waiver Hazard Insurance Policy reflecting ACV rather than replacement on xxxxxx, applied to non material finding with comp factors - Due Diligence Vendor-05/27/2025 <br> Ready for Review-The request for an exception to Client's eligibility criteria is granted. - Buyer-05/23/2025 <br> Counter-Received policy with increased coverage to xxxxxx. Provided HOI policy reflects ACV for xxxxxx, the policy needs to cover the xxxxxx as RCE. - Due Diligence Vendor-05/14/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided HOI policy reflects ACV for xxxxxx. The minimum coverage required is $xxxxxx(coverage now is xxxxxx) and the borrower would need to get a policy that covers the xxxxxx as RCE. - Due Diligence Vendor-03/28/2025 |  | Waived-Client provided a waiver Hazard Insurance Policy reflecting ACV rather than replacement on xxxxxx, applied to non material finding with comp factors - Due Diligence Vendor-05/27/2025 | On time mortgage history exceeds guideline requirement - Credit report reports on time mortgage history for last 48 months<br> Qualifying DTI below maximum allowed - DTI of 31.51% is less than the maximum allowed per guidelines of 50% | 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines <br> 2 - Credit Score 30+ points > minimum required<br> 3 - DTI <= 36% which is below requirement in guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 829875 | xxxxxx D B A | Closed | xxxxxx | 2025-03-14 12:11 | 2025-03-21 12:12 | Resolved | 1 - Information C A | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Resolved-Upon further review, the loan file contained all required acceptable property documentation and variance for xxxxxx properties on second liens. - Due Diligence Vendor-03/21/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Per appraisal subject property is xxxxxx. Per matrix rural properties not eligible for closed end second liens. - Due Diligence Vendor-03/14/2025 |  | Resolved-Upon further review, the loan file contained all required acceptable property documentation and variance for rural properties on second liens. - Due Diligence Vendor-03/21/2025 | On time mortgage history exceeds guideline requirement - Credit report reports on time mortgage history for last 48 months<br> Qualifying DTI below maximum allowed - DTI of 31.51% is less than the maximum allowed per guidelines of 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 829875 | xxxxxx D B A | Closed | xxxxxx | 2025-03-14 12:43 | 2025-03-21 11:48 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received acceptable credit inquiry LOE - Due Diligence Vendor-03/21/2025 <br> Open-LOX for credit inquiries is missing. Missing LOE for credit Inquiries - Due Diligence Vendor-03/14/2025 |  | Resolved-Received acceptable credit inquiry LOE - Due Diligence Vendor-03/21/2025 | On time mortgage history exceeds guideline requirement - Credit report reports on time mortgage history for last 48 months<br> Qualifying DTI below maximum allowed - DTI of 31.51% is less than the maximum allowed per guidelines of 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 830029 | xxxxxx C B A | Closed | xxxxxx | 2025-04-03 14:25 | 2025-05-02 11:32 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received additional assets - Due Diligence Vendor-05/02/2025 <br> Counter-Documentation received is insufficient. Asset validation must meet requirements of guidelines 8B - Due Diligence Vendor-04/29/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Borrower closed on two properties on the same day. Total Cash to close for both properties = $258331.72 / Total Assets provided = $141431.35. Plus assets needed for reserves. - Due Diligence Vendor-04/03/2025 |  | Resolved-Received additional assets - Due Diligence Vendor-05/02/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 790; guidelines require 700. <br> LTV is less than guideline maximum - LTV 70% LTV. Allowed 80% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 830029 | xxxxxx C B A | Closed | xxxxxx | 2025-04-03 12:55 | 2025-04-03 14:28 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed non material. Rent is supported. - Due Diligence Vendor-04/03/2025 <br> Open-Property Issues are identified for the property xxxxxx comparable rentals on the LTR 1007s are over xxxxxx miles from the properties. Comparable Sales are all within xxxxxx miles, but given comparable rentals exceed xxxxxx miles we would like to confirm this is acceptable.<br> - Due Diligence Vendor-04/03/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed non material. Rent is supported. - Due Diligence Vendor-04/03/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 790; guidelines require 700. <br> LTV is less than guideline maximum - LTV 70% LTV. Allowed 80% | 1. LTV/CLTV 10% or more below the maximum allowed under applicable guidelines. 2. Credit Score 30+ points > minimum required | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 830034 | xxxxxx C B A | Closed | xxxxxx | 2025-04-03 14:13 | 2025-05-02 11:37 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received additional assets. - Due Diligence Vendor-05/02/2025 <br> Counter-Documentation received is insufficient. Asset validation must meet requirements of guidelines 8B<br> - Due Diligence Vendor-04/29/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Borrower closed on two properties on the same day. Total Cash to close for both properties = $258331.72 / Total Assets provided = $141431.35. Plus assets needed for reserves. - Due Diligence Vendor-04/03/2025 |  | Resolved-Received additional assets. - Due Diligence Vendor-05/02/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 790; guidelines require 700. <br> LTV is less than guideline maximum - LTV 70% LTV. Allowed 80% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 830034 | xxxxxx C B A | Closed | xxxxxx | 2025-04-03 09:39 | 2025-04-03 14:17 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed non-material. - Due Diligence Vendor-04/03/2025 <br> Open-Property Issues are identified for the property xxxxxx comparable rentals on the LTR 1007s are over xxxxxx miles from the properties. Comparable Sales are all within xxxxxx miles, but given comparable rentals exceed xxxxxx miles we would like to confirm this is acceptable. - Due Diligence Vendor-04/03/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed non-material. - Due Diligence Vendor-04/03/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 790; guidelines require 700. <br> LTV is less than guideline maximum - LTV 70% LTV. Allowed 80% | 1. LTV/CLTV 5% or more below the maximum allowed under applicable guidelines. 2. Credit Score 30+ points > minimum required | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 830175 | xxxxxx C A | Closed | xxxxxx | 2025-04-24 13:26 | 2025-04-29 15:50 | Resolved | 1 - Information C A | Credit | Eligibility | Builder in Control of the HOA | Resolved-Turnover date verified within 2025 - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. - Seller-04/25/2025 <br> Open-Builder is in control of HOA The project developer may be in control of the xxxxxx provided the Master Agreement allows for the homeowners to take control upon either a predetermined percentage of unit sales or within a defined time frame - Neither the Condo Questionnaire nor Condo Docs addresses Developer turning over control to HOA - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. - Seller-04/25/2025 | Resolved-Turnover date verified within 2025 - Due Diligence Vendor-04/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO = 717 Min FICO = 680<br> Months Reserves exceed minimum required - Reserves = 86 months – Required Reserves = 6 Months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 830303 | xxxxxx C A | Closed | xxxxxx | 2025-04-30 07:38 | 2025-05-13 11:44 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National but ACH form is not in file | Resolved-Received ACH form - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. Manual upload to xxxxxx. - Buyer-05/13/2025 <br> Counter-Received ACH-Financial Institution address and phone number are incomplete. - Due Diligence Vendor-05/07/2025 <br> Open-Foreign National but the ACH form is Missing from file. - Due Diligence Vendor-04/30/2025 |  | Resolved-Received ACH form - Due Diligence Vendor-05/13/2025 | Months Reserves exceed minimum required - 4.95 months PITIA reserves; 0 months reserves required.<br> LTV is less than guideline maximum - LTV 50% max 75%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 830636 | xxxxxx D A | Closed | xxxxxx | 2025-04-04 09:36 | 2025-05-08 16:33 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-12-month pay history provided. - Due Diligence Vendor-05/08/2025 <br> Counter-Received revised payoff-missing acceptable VOM/payment history for subject lien. - Due Diligence Vendor-05/02/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Payoff / CD reflects $17,467.96 past due payment. No payment history provided. - Due Diligence Vendor-04/04/2025 |  | Resolved-12-month pay history provided. - Due Diligence Vendor-05/08/2025 | Long term residence - 20 Years. <br> Months Reserves exceed minimum required - 24 months reserves; 2 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 830636 | xxxxxx D A | Closed | xxxxxx | 2025-04-04 09:48 | 2025-05-08 16:31 | Resolved | 1 - Information C A | Credit | Eligibility | Credit History - Derogatory Accounts Without Sufficient Explanation | Resolved-Settlement statement provided. - Due Diligence Vendor-05/08/2025 <br> Counter-Received revised payoff and email the $17,467.96 past due payment was an error. Missing corrected Settlement Statement - Due Diligence Vendor-05/02/2025 <br> Open-Missing documentation to support $17k past due payment reflected on payoff and CD - Due Diligence Vendor-04/04/2025 |  | Resolved-Settlement statement provided. - Due Diligence Vendor-05/08/2025 | Long term residence - 20 Years. <br> Months Reserves exceed minimum required - 24 months reserves; 2 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 830636 | xxxxxx D A | Closed | xxxxxx | 2025-04-16 12:01 | 2025-04-28 11:17 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received Good Standing for vested entity. - Due Diligence Vendor-04/28/2025 <br> Open-\*New\* Missing Good Standing for xxxxxx-vested entity. - Due Diligence Vendor-04/16/2025 |  | Resolved-Received Good Standing for vested entity. - Due Diligence Vendor-04/28/2025 | Long term residence - 20 Years. <br> Months Reserves exceed minimum required - 24 months reserves; 2 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 830636 | xxxxxx D A | Closed | xxxxxx | 2025-04-04 09:42 | 2025-04-16 11:59 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received business entity documentation for both entities. - Due Diligence Vendor-04/16/2025 <br> Counter-Received note from originator that borrowers are owners of vested LLC-missing supporting documentation. Provide Good Standing, Operating Agreement and Evidence of filing for vested LLC supporting borrowers ownership of LLC. Additional conditions may apply. - Due Diligence Vendor-04/08/2025 <br> Open-Property Title Issue Borrowers are not in title on a r/t refi. - Due Diligence Vendor-04/04/2025 |  | Resolved-Received business entity documentation for both entities. - Due Diligence Vendor-04/16/2025 | Long term residence - 20 Years. <br> Months Reserves exceed minimum required - 24 months reserves; 2 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 830636 | xxxxxx D A | Closed | xxxxxx | 2025-04-03 17:20 | 2025-04-16 11:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received operating agreement for previous vested entity. - Due Diligence Vendor-04/16/2025 <br> Counter-Received preliminary title-missing vested entity ownership documentation. - Due Diligence Vendor-04/08/2025 <br> Open-Title Document is Incomplete Title Document is not legible. - Due Diligence Vendor-04/03/2025 |  | Resolved-Received operating agreement for previous vested entity. - Due Diligence Vendor-04/16/2025 | Long term residence - 20 Years. <br> Months Reserves exceed minimum required - 24 months reserves; 2 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 830816 | xxxxxx C A B | Closed | xxxxxx | 2025-05-30 17:18 | 2025-06-09 08:44 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved------Received PCCD xxxxxx with fee paid to other. - Due Diligence Vendor-06/09/2025 <br> Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. (Hybrid e-sign fee) in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. - Due Diligence Vendor-05/30/2025 |  | Resolved------Received PCCD xxxxxx with fee paid to other. - Due Diligence Vendor-06/09/2025 | CLTV is less than guidelines maximum - LTV/ CLTV 10% or more below the maximum allowed under applicable guidelines<br> Verified employment history exceeds guidelines - Employed at same job for 10+ yrs |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 830816 | xxxxxx C A B | Closed | xxxxxx | 2025-06-03 10:10 | 2025-06-06 10:31 | Resolved | 1 - Information B A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-06/06/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Provide the Gap Credit Report. - Due Diligence Vendor-06/03/2025 |  | Resolved-Received credit refresh. - Due Diligence Vendor-06/06/2025 | CLTV is less than guidelines maximum - LTV/ CLTV 10% or more below the maximum allowed under applicable guidelines<br> Verified employment history exceeds guidelines - Employed at same job for 10+ yrs |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 830820 | xxxxxx C A | Closed | xxxxxx | 2025-05-07 08:43 | 2025-05-22 15:18 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received additional assets and documentation to support the additional deposits to escrow. - Due Diligence Vendor-05/22/2025 <br> Ready for Review-Document Uploaded. The borrower sent to the title company a total of $334,000 prior to closing. $15,000, $100,000, $69,000, $150,000 - the borrower had EMD of $169,000 on the CD as well as needing $162,077.37. Actually the borrower over sent funds to the title company and at the end was to be given funds back outside of our closing. - Seller-05/20/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-108994.98'. Assets are Insufficient. Total Qualified Assets Post-Close amount is '$-109948.87'. Assets are Insufficient- Foreign funds wired directly to title for closing. Missing verification of those funds - Due Diligence Vendor-05/08/2025 | Ready for Review-Document Uploaded. The borrower sent to the title company a total of $334,000 prior to closing. $15,000, $100,000, $69,000, $150,000 - the borrower had EMD of $169,000 on the CD as well as needing $162,077.37. Actually the borrower over sent funds to the title company and at the end was to be given funds back outside of our closing. - Seller-05/20/2025 | Resolved-Received additional assets and documentation to support the additional deposits to escrow. - Due Diligence Vendor-05/22/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 0.797; minimum DSCR 0.00.<br> Months Reserves exceed minimum required - 6.89 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 830820 | xxxxxx C A | Closed | xxxxxx | 2025-05-07 08:31 | 2025-05-14 16:11 | Resolved | 1 - Information C A | Credit | Insurance | Flood Insurance Expiration Date is before the Note Date | Resolved-Received revised master flood renewal. - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. - Seller-05/12/2025 <br> Open-Flood Insurance Expiration Date of xxxxxx is prior to the Note Date of xxxxxx - Due Diligence Vendor-05/08/2025 | Ready for Review-Document Uploaded. - Seller-05/12/2025 | Resolved-Received revised master flood renewal. - Due Diligence Vendor-05/14/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 0.797; minimum DSCR 0.00.<br> Months Reserves exceed minimum required - 6.89 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 830872 | xxxxxx D B A | Closed | xxxxxx | 2025-03-31 07:33 | 2025-05-09 11:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Upon further review, the loan file contained all required title documentation received - Due Diligence Vendor-04/03/2025 <br> Open-Title Document is missing Missing Title Docs - Due Diligence Vendor-03/31/2025 |  | Resolved-Upon further review, the loan file contained all required title documentation received - Due Diligence Vendor-04/03/2025 | Qualifying DTI below maximum allowed - Max DTI 50%/ Borrower DTI 5.67%<br> Months Reserves exceed minimum required - 38.71 mths reserves; 0 mths required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 830872 | xxxxxx D B A | Closed | xxxxxx | 2025-03-31 10:42 | 2025-04-22 09:55 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose and occupancy certification. - Due Diligence Vendor-04/22/2025 <br> Counter-Business Purpose and Statement of Occupancy must meet 3.10.5 and 3.10.6 of guidelines. - Due Diligence Vendor-04/03/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing Missing BP Cert - Due Diligence Vendor-03/31/2025 |  | Resolved-Received business purpose and occupancy certification. - Due Diligence Vendor-04/22/2025 | Qualifying DTI below maximum allowed - Max DTI 50%/ Borrower DTI 5.67%<br> Months Reserves exceed minimum required - 38.71 mths reserves; 0 mths required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 830872 | xxxxxx D B A | Closed | xxxxxx | 2025-03-31 08:25 | 2025-03-31 11:10 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Client exception granted and in file, waiver applied with comp factors. (Non Mat-Lender approved exception with comp factors) - Due Diligence Vendor-03/31/2025 <br> Open-Audited CLTV of 65% exceeds Guideline CLTV of 60% - Loan file contains an approved exception to allow to allow 65%. - Due Diligence Vendor-03/31/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. (Non Mat-Lender approved exception with comp factors) - Due Diligence Vendor-03/31/2025 | Qualifying DTI below maximum allowed - Max DTI 50%/ Borrower DTI 5.67%<br> Months Reserves exceed minimum required - 38.71 mths reserves; 0 mths required. | Residual income more than 2.5x the amount required by guidelines<br> 0x30 for 48 months on all mortgages | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 830932 | xxxxxx C B A | Closed | xxxxxx | 2025-03-13 14:26 | 2025-05-23 10:03 | Resolved | 1 - Information C A | Credit | Closing | Security Instrument Date is greater than current date | Resolved-Updated Note and Mortgage provided dated xxxxxx - Due Diligence Vendor-05/23/2025 <br> Open-Security Instrument Date is greater than the transaction date of xxxxxx per notary - Due Diligence Vendor-03/13/2025 |  | Resolved-Updated Note and Mortgage provided dated xxxxxx - Due Diligence Vendor-05/23/2025 | LTV is less than guideline maximum - Lender max LTV is 70%, subject LTV is 65%.<br> Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO is 680, borrower FICO is 771. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 830932 | xxxxxx C B A | Closed | xxxxxx | 2025-03-18 12:26 | 2025-03-18 12:30 | Waived | 2 - Non-Material C B | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Client exception granted and in file, waiver applied with comp factors. (Non-Mat:Approved lender exception with valid Comp Factors) - Due Diligence Vendor-03/18/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Lender Exception: "Rental history payment paid with direct deposits out of pay<br> stubs and cash VS GL Any VOM/VOR completed by a<br> private-party (including an LLC) or any non-institutional lender<br> must be supported by alternative documentation showing the<br> most recent 6-month history (cancelled checks, mortgage<br> statements including payment history, etc.)" - Due Diligence Vendor-03/18/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. (Non-Mat:Approved lender exception with valid Comp Factors) - Due Diligence Vendor-03/18/2025 | LTV is less than guideline maximum - Lender max LTV is 70%, subject LTV is 65%.<br> Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO is 680, borrower FICO is 771. | LTV<br> Credit Score<br> Experienced Investor | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 831245 | xxxxxx D A | Closed | xxxxxx | 2025-04-09 18:03 | 2025-04-30 10:45 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-04/15/2025 <br> Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-04/09/2025 |  | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-04/15/2025 | Months Reserves exceed minimum required - 25 months reserves exceed 2 month minimum<br> LTV is less than guideline maximum - 70% LTV is below 75% max |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 831245 | xxxxxx D A | Closed | xxxxxx | 2025-04-09 17:25 | 2025-04-30 10:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received property tax cert. - Due Diligence Vendor-04/17/2025 <br> Open-Missing Evidence of Property Tax - Due Diligence Vendor-04/09/2025 |  | Resolved-Received property tax cert. - Due Diligence Vendor-04/17/2025 | Months Reserves exceed minimum required - 25 months reserves exceed 2 month minimum<br> LTV is less than guideline maximum - 70% LTV is below 75% max |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 831245 | xxxxxx D A | Closed | xxxxxx | 2025-04-09 17:34 | 2025-04-22 09:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Appraisal is Expired | Resolved-Updated completion report received. - Due Diligence Vendor-04/22/2025 <br> Counter-Received Appraisal Update 1004D. Appraiser signed xxxxxx but Effective Date of Appraisal Update and Inspection date xxxxxx. Please provide acceptable report. - Due Diligence Vendor-04/17/2025 <br> Open-Primary Value Appraisal is Expired - update is dated xxxxxx - Due Diligence Vendor-04/09/2025 |  | Resolved-Updated completion report received. - Due Diligence Vendor-04/22/2025 | Months Reserves exceed minimum required - 25 months reserves exceed 2 month minimum<br> LTV is less than guideline maximum - 70% LTV is below 75% max |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 831245 | xxxxxx D A | Closed | xxxxxx | 2025-04-10 14:19 | 2025-04-21 10:37 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received Good Standing - Due Diligence Vendor-04/21/2025 <br> Counter-Documentation received is insufficient. Please provide Certificate of Good Standing for xxxxxx - Due Diligence Vendor-04/17/2025 <br> Counter-1008 Provided, however we are missing the Certificate of Good Standing for xxxxxx - Due Diligence Vendor-04/15/2025 <br> Open-Missing Certificate of Good Standing for xxxxxx - Due Diligence Vendor-04/10/2025 |  | Resolved-Received Good Standing - Due Diligence Vendor-04/21/2025 | Months Reserves exceed minimum required - 25 months reserves exceed 2 month minimum<br> LTV is less than guideline maximum - 70% LTV is below 75% max |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 831245 | xxxxxx D A | Closed | xxxxxx | 2025-04-09 18:10 | 2025-04-16 16:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Mortgagee on homeowners is the servicing company. - Due Diligence Vendor-04/16/2025 <br> Counter-Please provide HOI policy with the Correct Mortgagee. - Due Diligence Vendor-04/15/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Incorrect mortgage listed, dated 60+ days prior to note date - Due Diligence Vendor-04/09/2025 |  | Resolved-Mortgagee on homeowners is the servicing company. - Due Diligence Vendor-04/16/2025 | Months Reserves exceed minimum required - 25 months reserves exceed 2 month minimum<br> LTV is less than guideline maximum - 70% LTV is below 75% max |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 831245 | xxxxxx D A | Closed | xxxxxx | 2025-04-10 13:53 | 2025-04-11 15:54 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty is not allowed | Resolved-The lender's prepay guides do not include a rate restriction in xxxxxx. - Due Diligence Vendor-04/11/2025 <br> Open-Prepayment Penalty is not allowed. Fixed Rate when closing in LLC or as individual, permitted if interest rate is equal to or less than 6%. Rate is 7.625% - Due Diligence Vendor-04/10/2025 |  | Resolved-The lender's prepay guides do not include a rate restriction in xxxxxx. - Due Diligence Vendor-04/11/2025 | Months Reserves exceed minimum required - 25 months reserves exceed 2 month minimum<br> LTV is less than guideline maximum - 70% LTV is below 75% max |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 831521 | xxxxxx D B C A | Closed | xxxxxx | 2025-04-23 10:13 | 2025-04-28 16:24 | Waived | 2 - Non-Material C B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived-Client exception granted and in file, waiver applied with comp factors. Exception to use $1,800 market rent without 120% cap. - Due Diligence Vendor-04/28/2025 <br> Open-The Calculated DSCR of '0.781' is less than the minimum DSCR per lender guidelines of '1.25'. Due to loan amount - Due Diligence Vendor-04/23/2025 |  | <br> Waived-Client exception granted and in file, waiver applied with comp factors. Exception to use $1,800 market rent without 120% cap. Which results in a DSCR ratio of 1.041 - Due Diligence Vendor-04/28/2025 | Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 764. Per guides, minimum score required 700.<br> On time mortgage history exceeds guideline requirement - Borr 185mos 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage/rental pay history.<br> Long term residence - Current primary home ownership > 5 years<br> Months Reserves exceed minimum required - 62.54mos reserves. Per guides, 2 reserves required. | Current primary home ownership > 5 years<br> 0x30 for 48 months on subject mortgage | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 831521 | xxxxxx D B C A | Closed | xxxxxx | 2025-04-21 23:50 | 2025-04-25 11:58 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received Appraisal - Due Diligence Vendor-04/25/2025 <br> Open-Appraisal is Missing Must coincide with CDA in file-DSCR to be re-analyzed upon receipt of 1007 which must also be included. - Due Diligence Vendor-04/22/2025 |  | Resolved-Received Appraisal - Due Diligence Vendor-04/25/2025 | Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 764. Per guides, minimum score required 700.<br> On time mortgage history exceeds guideline requirement - Borr 185mos 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage/rental pay history.<br> Long term residence - Current primary home ownership > 5 years<br> Months Reserves exceed minimum required - 62.54mos reserves. Per guides, 2 reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 831536 | xxxxxx C B A | Closed | xxxxxx | 2025-04-28 16:41 | 2025-05-06 16:20 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Proof tax lien paid provided. - Due Diligence Vendor-05/06/2025 <br> Counter-Received PCCD reflecting State Tax lien included in payoff-missing payoff statement to confirm paid in full. - Due Diligence Vendor-05/02/2025 <br> Open-Property Title Issue State Tax Lien on Title (Item 12 on title) - Not shown as paid on Final CD nor Satisfaction in file - Due Diligence Vendor-04/29/2025 |  | Resolved-Proof tax lien paid provided. - Due Diligence Vendor-05/06/2025 | Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 660 credit score. Qualifying credit score is 755.<br> DSCR % greater than 1.20 - DSCR = 1.367 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 831536 | xxxxxx C B A | Closed | xxxxxx | 2025-04-28 16:25 | 2025-04-29 09:19 | Waived | 2 - Non-Material C B | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed immaterial low LTV, experienced investor. - Due Diligence Vendor-04/29/2025 <br> Open-Trust/POA Does Not Meet Guideline Requirements Lender exception for cash out using POA. <br> - Due Diligence Vendor-04/28/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed immaterial low LTV, experienced investor. - Due Diligence Vendor-04/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 660 credit score. Qualifying credit score is 755.<br> DSCR % greater than 1.20 - DSCR = 1.367 | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Experienced investor owns and manages 10 or more properties for 12 months | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 831538 | xxxxxx C B A | Closed | xxxxxx | 2025-04-30 13:04 | 2025-04-30 13:25 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed immaterial low ltv, excess reserves and experienced investor. - Due Diligence Vendor-04/30/2025 <br> Open-Cash Out Does Not Meet Guideline Requirements Lender Exception for approval of the Power of Attorney to be used to close cash out refinance. - Due Diligence Vendor-04/30/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed immaterial low ltv, excess reserves and experienced investor. - Due Diligence Vendor-04/30/2025 | LTV is less than guideline maximum - LTV 54.34% ; max 70%.<br> Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 755; minimum score 660. | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Experienced investor owns and manages 10 or more properties for 12 months | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 831825 | xxxxxx B A | Closed | xxxxxx | 2025-05-09 06:06 | 2025-06-10 11:02 | Resolved | 1 - Information B A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-06/10/2025 <br> Counter-LOE for xxxxxx provided. Please provide an LOE for the inquiries on xxxxxx. - Due Diligence Vendor-05/16/2025 <br> Open-LOX for credit inquiries is missing. Missing LOE for credit inquiries. - Due Diligence Vendor-05/09/2025 |  | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-06/10/2025 | Qualifying DTI below maximum allowed - DTI of 40.48% is less than the maximum allowed per guidelines of 50%<br> Months Reserves exceed minimum required - Verified assets of 27.43 months exceeds the minimum required of 3 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 831825 | xxxxxx B A | Closed | xxxxxx | 2025-05-08 12:35 | 2025-05-12 13:04 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 8.261% is within allowable threshold of APOR of 6.85% + 1.75% or 8.6%. - Due Diligence Vendor-05/12/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR - Due Diligence Vendor-05/12/2025 |  | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 8.261% is within allowable threshold of APOR of 6.85% + 1.75% or 8.6%. - Due Diligence Vendor-05/12/2025 | Qualifying DTI below maximum allowed - DTI of 40.48% is less than the maximum allowed per guidelines of 50%<br> Months Reserves exceed minimum required - Verified assets of 27.43 months exceeds the minimum required of 3 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 831825 | xxxxxx B A | Closed | xxxxxx | 2025-05-08 11:36 | 2025-05-08 11:36 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br>- Due Diligence Vendor-05/08/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br>- Due Diligence Vendor-05/08/2025 | Qualifying DTI below maximum allowed - DTI of 40.48% is less than the maximum allowed per guidelines of 50%<br> Months Reserves exceed minimum required - Verified assets of 27.43 months exceeds the minimum required of 3 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 831887 | xxxxxx D A | Closed | xxxxxx | 2025-04-08 15:50 | 2025-04-25 10:31 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-EIN provided. - Due Diligence Vendor-04/25/2025 <br> Counter-Received EIN reflecting previous business name. Received State change - provide IRS confirmation of name change. - Due Diligence Vendor-04/16/2025 <br> Counter-Please provide the EIN from the IRS. - Due Diligence Vendor-04/14/2025 <br> Open-The Business Entity Formation Document is Missing Missing EIN Doc - Due Diligence Vendor-04/08/2025 |  | Resolved-EIN provided. - Due Diligence Vendor-04/25/2025 | LTV is less than guideline maximum - 65% LTV, program allows to 75%<br> Qualifying FICO score is at least 20 points above minimum for program - 747 Fico, 660 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 831887 | xxxxxx D A | Closed | xxxxxx | 2025-04-07 12:31 | 2025-04-14 12:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Required forms/disclosures missing | Resolved-Received Initial Escrow Account Disclosure. - Due Diligence Vendor-04/14/2025 <br> Open-Missing initial escrow acct disclosure. - Due Diligence Vendor-04/07/2025 |  | Resolved-Received Initial Escrow Account Disclosure. - Due Diligence Vendor-04/14/2025 | LTV is less than guideline maximum - 65% LTV, program allows to 75%<br> Qualifying FICO score is at least 20 points above minimum for program - 747 Fico, 660 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 831887 | xxxxxx D A | Closed | xxxxxx | 2025-04-07 21:00 | 2025-04-14 12:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Received Prelim - Due Diligence Vendor-04/14/2025 <br> Open-Title Document is missing Missing Title Docs - Due Diligence Vendor-04/08/2025 |  | Resolved-Received Prelim - Due Diligence Vendor-04/14/2025 | LTV is less than guideline maximum - 65% LTV, program allows to 75%<br> Qualifying FICO score is at least 20 points above minimum for program - 747 Fico, 660 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 831925 | xxxxxx D A | Closed | xxxxxx | 2025-04-15 12:52 | 2025-04-29 12:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Partially Provided | Resolved-Confirmed no flood zone as non participating community. - Due Diligence Vendor-04/29/2025 <br> Open-Flood Certificate is Partially Provided Flood Cert does not lists a Flood Zone, NFIP Map Number. - Due Diligence Vendor-04/15/2025 |  | Resolved-Confirmed no flood zone as non participating community. - Due Diligence Vendor-04/29/2025 | LTV is less than guideline maximum - LTV 52% LTV. Allowed 70%<br> Long term residence - 6 Years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 831925 | xxxxxx D A | Closed | xxxxxx | 2025-04-15 12:16 | 2025-04-17 15:11 | Resolved | 1 - Information C A | Credit | Closing | Prepayment Penalty Issue | Resolved-Upon further review, requirements for PPP have been met - Due Diligence Vendor-04/17/2025 <br>Open-Prepayment Addendum to Note does not contain Loan Product Disclosure. I was provided with an offer to accept a product both with and without a prepayment penalty provision. I have chosen to accept the product with a prepayment penalty." {Colo. Rev. Stat. Ann. Sect. 5-3.5-102{1){g){III).<br> - Due Diligence Vendor-04/15/2025 |  | Resolved-Upon further review, requirements for PPP have been met - Due Diligence Vendor-04/17/2025 | LTV is less than guideline maximum - LTV 52% LTV. Allowed 70%<br> Long term residence - 6 Years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832187 | xxxxxx D A | Closed | xxxxxx | 2025-03-19 17:52 | 2025-03-26 10:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received Guaranty Agreement - Due Diligence Vendor-03/26/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-03/24/2025 <br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. - Due Diligence Vendor-03/19/2025 |  | Resolved-Received Guaranty Agreement - Due Diligence Vendor-03/26/2025 | LTV is less than guideline maximum - 16% LTV; max 70%<br> Qualifying FICO score is at least 20 points above minimum for program - 779 FICO; 660 required<br> Months Reserves exceed minimum required - 77 mos reserves; 2 mos required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832187 | xxxxxx D A | Closed | xxxxxx | 2025-03-17 14:14 | 2025-03-26 10:22 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Legal. - Due Diligence Vendor-03/26/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-03/24/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. missing legal - Due Diligence Vendor-03/17/2025 |  | Resolved-Received Legal. - Due Diligence Vendor-03/26/2025 | LTV is less than guideline maximum - 16% LTV; max 70%<br> Qualifying FICO score is at least 20 points above minimum for program - 779 FICO; 660 required<br> Months Reserves exceed minimum required - 77 mos reserves; 2 mos required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832318 | xxxxxx C B A | Closed | xxxxxx | 2025-05-05 08:21 | 2025-05-08 11:01 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC xxxxxx. Finding resolved. - Due Diligence Vendor-05/08/2025 <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 $8,992.50.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). ----- Zero (0%) tolerance fees increased by $8,992.50 (Transfer Taxes) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $8,992.50, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is xxxxxx. Additional findings may apply upon receipt.<br> - Due Diligence Vendor-05/05/2025 |  | Resolved-Received COC xxxxxx. Finding resolved. - Due Diligence Vendor-05/08/2025 | Months Reserves exceed minimum required - 18 mos reserves; 0 required<br> Qualifying FICO score is at least 20 points above minimum for program - FICO = 734 Min FICO = 700<br> Qualifying DTI below maximum allowed - DTI = 40.02% - Max DTI = 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832318 | xxxxxx C B A | Closed | xxxxxx | 2025-05-05 08:05 | 2025-05-05 08:05 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/05/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/05/2025 | Months Reserves exceed minimum required - 18 mos reserves; 0 required<br> Qualifying FICO score is at least 20 points above minimum for program - FICO = 734 Min FICO = 700<br> Qualifying DTI below maximum allowed - DTI = 40.02% - Max DTI = 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 832338 | xxxxxx C B A | Closed | xxxxxx | 2025-03-20 20:08 | 2025-03-27 11:22 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Received revised Appraisal. Appraiser states no impact on subject or marketability. - Due Diligence Vendor-03/27/2025 <br> Open-xxxxxx Incident Period: xxxxxx Declaration Date: xxxxxx. Per guidelines the appraiser must comment on the adverse event and certify that there has been no change in the valuation. - Due Diligence Vendor-03/21/2025 |  | Resolved-Received revised Appraisal. Appraiser states no impact on subject or marketability. - Due Diligence Vendor-03/27/2025 | CLTV is less than guidelines maximum - Guidelines allow LTV to 85%. Subject loan LTV is 52.72%.<br> Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 730 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832338 | xxxxxx C B A | Closed | xxxxxx | 2025-03-18 11:58 | 2025-03-26 11:05 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD xxxxxx, disbursement date xxxxxx. Finding resolved. - Due Diligence Vendor-03/26/2025 <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. Provide PCCD with disbursement date after the ROR expiration date.<br> - Due Diligence Vendor-03/18/2025 |  | Resolved-Received PCCD xxxxxx, disbursement date xxxxxx. Finding resolved. - Due Diligence Vendor-03/26/2025 | CLTV is less than guidelines maximum - Guidelines allow LTV to 85%. Subject loan LTV is 52.72%.<br> Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 730 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832338 | xxxxxx C B A | Closed | xxxxxx | 2025-03-20 20:08 | 2025-03-21 05:50 | Waived | 2 - Non-Material B | Property | Property | FEMA disaster declared PUBLIC ONLY | Waived-Client waiver applied to non material finding with comp factors. Deemed non material public only. - Due Diligence Vendor-03/21/2025 <br> Open-xxxxxx Incident Period: xxxxxx Declaration Date: xxxxxx - PUBLIC - Due Diligence Vendor-03/21/2025 |  | Waived-Client waiver applied to non material finding with comp factors. Deemed non material public only. - Due Diligence Vendor-03/21/2025 | CLTV is less than guidelines maximum - Guidelines allow LTV to 85%. Subject loan LTV is 52.72%.<br> Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 730 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 832402 | xxxxxx D B A | Closed | xxxxxx | 2025-05-02 14:31 | 2025-05-09 09:32 | Waived | 2 - Non-Material B | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Waived-Client waiver applied to non material finding with comp factors - Due Diligence Vendor-05/09/2025 <br> Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-05/02/2025 |  | Waived-Client waiver applied to non material finding with comp factors - Due Diligence Vendor-05/09/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 30.76%; max permitted 50%.<br> Months Reserves exceed minimum required - 45 months PITIA reserves; 0 months reserves required. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 832402 | xxxxxx D B A | Closed | xxxxxx | 2025-05-01 11:37 | 2025-05-08 11:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received HOC, xxxxxx. Finding resolved. - Due Diligence Vendor-05/08/2025 <br> Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-05/01/2025 |  | Resolved-Received HOC, xxxxxx. Finding resolved. - Due Diligence Vendor-05/08/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 30.76%; max permitted 50%.<br> Months Reserves exceed minimum required - 45 months PITIA reserves; 0 months reserves required. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832402 | xxxxxx D B A | Closed | xxxxxx | 2025-05-01 13:17 | 2025-05-08 11:11 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Received CD xxxxxx. Finding resolved. - Due Diligence Vendor-05/08/2025 <br> Open-Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Statute of Limitations 3 years- Expiration date is xxxxxx. Additional findings may apply upon receipt. - Due Diligence Vendor-05/01/2025 |  | Resolved-Received CD xxxxxx. Finding resolved. - Due Diligence Vendor-05/08/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 30.76%; max permitted 50%.<br> Months Reserves exceed minimum required - 45 months PITIA reserves; 0 months reserves required. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832402 | xxxxxx D B A | Closed | xxxxxx | 2025-05-01 13:15 | 2025-05-08 11:06 | Resolved | 1 - Information C A | Compliance | TRID | Missing Intent to Proceed | Resolved-Received ITP, xxxxxx. Finding resolved. - Due Diligence Vendor-05/08/2025 <br> Open-There are fees on the final CD that are POC and borrower's signed intent to proceed is missing from file. - Due Diligence Vendor-05/01/2025 |  | Resolved-Received ITP, xxxxxx. Finding resolved. - Due Diligence Vendor-05/08/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 30.76%; max permitted 50%.<br> Months Reserves exceed minimum required - 45 months PITIA reserves; 0 months reserves required. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832402 | xxxxxx D B A | Closed | xxxxxx | 2025-05-01 13:21 | 2025-05-01 13:21 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. (Client waiver applied to non-material Findings. - Due Diligence Vendor-05/01/2025 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. (Client waiver applied to non-material Findings. - Due Diligence Vendor-05/01/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 30.76%; max permitted 50%.<br> Months Reserves exceed minimum required - 45 months PITIA reserves; 0 months reserves required. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 832402 | xxxxxx D B A | Closed | xxxxxx | 2025-05-01 11:37 | 2025-05-01 12:21 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-05/01/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-05/01/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 30.76%; max permitted 50%.<br> Months Reserves exceed minimum required - 45 months PITIA reserves; 0 months reserves required. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 832418 | xxxxxx D A | Closed | xxxxxx | 2025-03-27 12:49 | 2025-04-21 14:42 | Resolved | 1 - Information C A | Credit | Eligibility | Builder in Control of the HOA | Resolved-Received Questionnaire. Developer will be turning over control xxxxxx. - Due Diligence Vendor-04/07/2025 <br> Ready for Review-this is allowed, we have closed many properties for this complex - Seller-04/03/2025 <br> Open-Builder is in control of HOA As per info avail - Due Diligence Vendor-03/27/2025 | Ready for Review-this is allowed, we have closed many properties for this complex - Seller-04/03/2025 | Resolved-Received Questionnaire. Developer will be turning over control xxxxxx. - Due Diligence Vendor-04/07/2025 | DSCR % greater than 1.20 - DSCR is 1.24<br> Months Reserves exceed minimum required - 50 mths reserves; 6 mths required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 832418 | xxxxxx D A | Closed | xxxxxx | 2025-03-26 09:23 | 2025-04-15 16:00 | Resolved | 1 - Information D A | Credit | Eligibility | HOA Questionnaire Document is Partially Provided | Resolved-Receive HOA questionnaire. - Due Diligence Vendor-04/07/2025 <br> Ready for Review-Document Uploaded. - Seller-04/03/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is only Partially Provided. Missing either the condo questionnaire for subject project or confirmation that the questionnaire provided is for correct project. Additional findings may apply since Audit used the information on the provided questionnaire to review project - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. - Seller-04/03/2025 | Resolved-Receive HOA questionnaire. - Due Diligence Vendor-04/07/2025 | DSCR % greater than 1.20 - DSCR is 1.24<br> Months Reserves exceed minimum required - 50 mths reserves; 6 mths required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 832418 | xxxxxx D A | Closed | xxxxxx | 2025-03-26 09:23 | 2025-04-15 16:00 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Received updated appraisal. Appraiser state xxxxxx. - Due Diligence Vendor-04/15/2025 <br> Ready for Review-Document Uploaded. - Seller-04/11/2025 <br> Counter-Please have the Appraiser comment on the below findings. - Due Diligence Vendor-04/07/2025 <br> Ready for Review-appraisal was completed as is , xxxxxx area completion is not listed in the guidelines; - Seller-04/03/2025 <br> Open-Property Issues are identified for the property 1. Appraisal completed as is; however, photo on PDF xxxxxx shows that the xxxxxx is empty for this xxxxxx unit. 2. Appraisal completed as is; however, in the photo on PDF xxxxxx, it is not possible to determine if xxxxxx is completed. xxxxxx cannot be viewed, it appears cabinets above the refrigerator have not been installed and on the left wall, there is a step up or box where it appears something has yet been installed. - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. - Seller-04/11/2025 <br> Ready for Review-appraisal was completed as is , xxxxxx completion is not listed in the guidelines; - Seller-04/03/2025 | Resolved-Received updated appraisal. Appraiser state some of the xxxxxx. - Due Diligence Vendor-04/15/2025 | DSCR % greater than 1.20 - DSCR is 1.24<br> Months Reserves exceed minimum required - 50 mths reserves; 6 mths required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 832418 | xxxxxx D A | Closed | xxxxxx | 2025-03-26 09:32 | 2025-04-07 15:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Received Flood Ins - Due Diligence Vendor-04/07/2025 <br> Ready for Review-Document Uploaded. - Seller-04/03/2025 <br> Open-Missing Flood Insurance Policy Missing Flood Docs - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. - Seller-04/03/2025 | Resolved-Received Flood Ins - Due Diligence Vendor-04/07/2025 | DSCR % greater than 1.20 - DSCR is 1.24<br> Months Reserves exceed minimum required - 50 mths reserves; 6 mths required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 832468 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 832514 | xxxxxx B A | Closed | xxxxxx | 2025-04-24 15:34 | 2025-04-24 15:38 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx Client waiver applied to non-material Findings. - Due Diligence Vendor-05/05/2025 |  | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx Client waiver applied to non-material Findings. - Due Diligence Vendor-05/05/2025 | Qualifying DTI below maximum allowed - 41.67% vs max DTI of 50%<br> CLTV is less than guidelines maximum - 67.08% vs. 85% max CLTV |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 832536 | xxxxxx D B A | Closed | xxxxxx | 2025-04-15 11:05 | 2025-05-05 11:35 | Waived | 2 - Non-Material C B | Credit | Eligibility | Minimum contribution amount not met | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-05/05/2025 <br> Ready for Review-The request for an exception to Client's eligibility criteria is granted. - Buyer-05/05/2025 <br> Counter-10% minimum contribution from own funds not met as gift funds utilized. $49,750 EMD - $2,843.31 overage = $46,906.69 contribution verified. $99,500 required + 2 months reserves from own funds. - Due Diligence Vendor-04/23/2025 <br> Counter-Received statements and LOE-unable to verify 10% funds available + 2 months reserves from own funds. - Due Diligence Vendor-04/17/2025 <br> Ready for Review-Document Uploaded. Please see attached asset info. - Buyer-04/16/2025 <br> Open-Minimum borrower contribution of 10% is required when using gift funds. Borrower's initial deposit of $49,750 does not meet this requirement and borrower received cash back at closing. - Due Diligence Vendor-04/15/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-05/05/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 640, qualifying score is 782<br> Months Reserves exceed minimum required - Minimum reserves are 2 months, Borrower has 8.59 months | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> DSCR > 1.15<br> Credit Score 30+ points > minimum required | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 832536 | xxxxxx D B A | Closed | xxxxxx | 2025-04-11 21:14 | 2025-05-01 17:00 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-xxxxxx guides used and they do not address a LCA score. CU score of 1 provided. - Due Diligence Vendor-05/01/2025 <br> Counter-SSR's provided, however the LCA does not support the appraised value. Please provide the desk review. - Due Diligence Vendor-04/21/2025 <br> Ready for Review-Document Uploaded. Please see attached SSR. - Seller-04/16/2025 <br> Open-Additional valuation product has not been provided. Additional valuation was not provided in the loan file - Due Diligence Vendor-04/12/2025 | Ready for Review-Document Uploaded. Please see attached SSR. - Seller-04/16/2025 | Resolved-xxxxxx guides used and they do not address a LCA score. CU score of 1 provided. - Due Diligence Vendor-05/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 640, qualifying score is 782<br> Months Reserves exceed minimum required - Minimum reserves are 2 months, Borrower has 8.59 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 832536 | xxxxxx D B A | Closed | xxxxxx | 2025-04-11 21:48 | 2025-04-22 11:16 | Resolved | 1 - Information D A | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Resolved-Upon further review, source of deposits are not required for DSCR - Due Diligence Vendor-04/22/2025 <br> Ready for Review-Large deposits do not need to be sourced on DSCR - Buyer-04/21/2025 <br> Counter-Received asset statements-missing confirmation borrowers own funds considered for reserves. Large deposits not sourced 4/1 $20,000 - Due Diligence Vendor-04/17/2025 <br> Ready for Review-Document Uploaded. Please see attached bank statements. - Seller-04/16/2025 <br> Open-1003 reflects 2 xxxxxx checking accounts. Missing documentation in file for these accounts - Due Diligence Vendor-04/15/2025 | Ready for Review-Document Uploaded. Please see attached bank statements. - Seller-04/16/2025 | Resolved-Upon further review, source of deposits are not required for DSCR - Due Diligence Vendor-04/22/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 640, qualifying score is 782<br> Months Reserves exceed minimum required - Minimum reserves are 2 months, Borrower has 8.59 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 832536 | xxxxxx D B A | Closed | xxxxxx | 2025-04-11 21:46 | 2025-04-17 12:00 | Resolved | 1 - Information C A | Credit | Assets | Gift Funds General | Resolved-received acceptable gift letter - Due Diligence Vendor-04/17/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/16/2025 <br> Open-1003 reflect a gift from relative for $480,000 and Final CD also reflects the gift. A gift letter is not in file and there is not proof of funds transferred to title company - Due Diligence Vendor-04/12/2025 |  | Resolved-received acceptable gift letter - Due Diligence Vendor-04/17/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 640, qualifying score is 782<br> Months Reserves exceed minimum required - Minimum reserves are 2 months, Borrower has 8.59 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 832618 | xxxxxx C B A | Closed | xxxxxx | 2025-06-19 12:39 | 2025-06-30 08:44 | 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-06/30/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal Description is missing. - Due Diligence Vendor-06/19/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-06/30/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 811 and minimum allowed is 700.<br> Months Reserves exceed minimum required - 10.91 mos reserves; 6 mos required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 832618 | xxxxxx C B A | Closed | xxxxxx | 2025-06-20 14:32 | 2025-06-23 12:13 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow. Borrower is 100% owner of business that 1099 was issued for. - Due Diligence Vendor-06/23/2025 <br> Open-Guidelines require 1099 forms to be in the name of a individual not a business name.<br> Client provided an Exception to allow the 1099 to be issued in a business name , applied to non material finding with comp factors. - Due Diligence Vendor-06/20/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow. Borrower is 100% owner of business that 1099 was issued for. - Due Diligence Vendor-06/23/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 811 and minimum allowed is 700.<br> Months Reserves exceed minimum required - 10.91 mos reserves; 6 mos required | -LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> - Self-employed for > 10 years | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 832648 | xxxxxx C A | Closed | xxxxxx | 2025-04-11 14:52 | 2025-04-17 12:19 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Upon further review the EIN was located in the loan file. - Due Diligence Vendor-04/17/2025 <br> Open-The Business Entity Formation Document is Missing Missing EIN number - Due Diligence Vendor-04/11/2025 |  | Resolved-Upon further review the EIN was located in the loan file. - Due Diligence Vendor-04/17/2025 | Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 776. Per guides, minimum score required 620.<br> DSCR % greater than 1.20 - DSCR 1.314 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 832695 | xxxxxx D A | Closed | xxxxxx | 2025-04-18 14:29 | 2025-04-29 15:44 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received acceptable secondary valuation. - Due Diligence Vendor-07/10/2025 <br> Counter-Received duplicate SSR. Please note: Subject property address reflects as xxxxxx - appraisal 1 page 1. Please provide acceptable secondary valuation for subject property appraisal. - Due Diligence Vendor-04/22/2025 <br> Ready for Review-Document Uploaded. - Seller-04/18/2025 <br> Open-Additional valuation product has not been provided. CU in file is for another property. - Due Diligence Vendor-04/18/2025 | Ready for Review-Document Uploaded. - Seller-04/18/2025 | Resolved-Received acceptable secondary valuation. - Due Diligence Vendor-07/10/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO = 764 Min FICO = 700<br> Credit history exceeds minimum required - Credit History = 197 Months Minimum Credit History = 24 Months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832720 | xxxxxx C B A | Closed | xxxxxx | 2025-05-06 08:42 | 2025-05-09 09:33 | Waived | 2 - Non-Material B | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Waived-Client waiver applied to non material finding with comp factors - Due Diligence Vendor-05/09/2025 <br> Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-05/06/2025 |  | Waived-Client waiver applied to non material finding with comp factors - Due Diligence Vendor-05/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - 740 vs min of 720<br> CLTV is less than guidelines maximum - 59.24% CLTV vs max CLTV of 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 832720 | xxxxxx C B A | Closed | xxxxxx | 2025-05-06 11:34 | 2025-05-08 10:47 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Upon further review, the loan file contained all required property documentation. - Due Diligence Vendor-05/08/2025 <br> Ready for Review-The seller had initially requested our Exception Team to at the heating source - concluded that no exception was needed.<br> Seller: Guidelines has no reference or section about xxxxxx so wanted to confirm if the collateral is acceptable/eligible.<br> Exception Team: No exception is needed for this, heating source is permanent and common for the area. - Buyer-05/07/2025 <br> Open-There is a Exception Request Report provided in the loan file which appears to be appraisal related based on the exception codes. Audit is unbale to determine what this is related to. There are no comments on the exception request; only compensating factors. Lender to provide addition details surrounding the exception request. Additional conditions may apply. - Due Diligence Vendor-05/06/2025 |  | Resolved-Upon further review, the loan file contained all required property documentation. - Due Diligence Vendor-05/08/2025 | Qualifying FICO score is at least 20 points above minimum for program - 740 vs min of 720<br> CLTV is less than guidelines maximum - 59.24% CLTV vs max CLTV of 80% | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> DTI <= 36% which is below requirement in guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832720 | xxxxxx C B A | Closed | xxxxxx | 2025-05-05 09:55 | 2025-05-05 10:20 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings - Due Diligence Vendor-05/05/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings - Due Diligence Vendor-05/05/2025 | Qualifying FICO score is at least 20 points above minimum for program - 740 vs min of 720<br> CLTV is less than guidelines maximum - 59.24% CLTV vs max CLTV of 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 832745 | xxxxxx D A | Closed | xxxxxx | 2025-04-07 20:52 | 2025-05-06 12:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received LOE from the Lender. - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-05/05/2025 <br> Counter-VOM received is not acceptable-address changed in xxxxxx and not initialed by lender. New VOM required. Provide LOE regarding xxxxxx VOM received and confirmation this property is not owned by borrower. - Due Diligence Vendor-04/18/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-04/17/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. VOM in file is not for the subject property but for an unknown property located in xxxxxx and this property was not disclosed on the 1003 as being owned by the borrower. - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-05/05/2025 | Resolved-Received LOE from the Lender. - Due Diligence Vendor-05/06/2025 | Qualifying FICO score is at least 20 points above minimum for program - 741 FICO with 660 min<br> Months Reserves exceed minimum required - 32.63 months reserves with 0 requried |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832745 | xxxxxx D A | Closed | xxxxxx | 2025-04-07 20:30 | 2025-04-18 12:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received revised HOI policy - Due Diligence Vendor-04/18/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-04/17/2025 <br> Open-Letter of explanation is required for having the private lender (p. 59, 60) on the hazard insurance (p. 104). - Due Diligence Vendor-04/08/2025 |  | Resolved-Received revised HOI policy - Due Diligence Vendor-04/18/2025 | Qualifying FICO score is at least 20 points above minimum for program - 741 FICO with 660 min<br> Months Reserves exceed minimum required - 32.63 months reserves with 0 requried |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832745 | xxxxxx D A | Closed | xxxxxx | 2025-04-07 19:52 | 2025-04-18 12:17 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received email from title confirming fence does not encroach and insured. - Due Diligence Vendor-04/18/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/17/2025 <br> Open-Property Title Issue The title, p. 89, section O reflects a survey completed on 3/5/2025 which found a xxxxxx. An endorsement to the title insurance policy whereby the policy affirmatively insures against loss suffered by reason of the entry of a decree or court order requiring the removal of the encroachment is required. - Due Diligence Vendor-04/07/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/17/2025 | Resolved-Received email from title confirming xxxxxx does not encroach and insured. - Due Diligence Vendor-04/18/2025 | Qualifying FICO score is at least 20 points above minimum for program - 741 FICO with 660 min<br> Months Reserves exceed minimum required - 32.63 months reserves with 0 requried |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832781 | xxxxxx D A | Closed | xxxxxx | 2025-03-27 11:58 | 2025-04-30 16:19 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Deed. - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. - Seller-04/29/2025 <br> Counter-Please provide documentation to support xxxxxx has been removed. - Due Diligence Vendor-04/08/2025 <br> Ready for Review-Document Uploaded. both are on title - Seller-04/04/2025 <br> Open-Property Title Issue Missing quit claim deed xxxxxx as this other person not on note or mortgage. - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. - Seller-04/29/2025 <br> Ready for Review-Document Uploaded. both are on title - Seller-04/04/2025 | Resolved-Received Deed. - Due Diligence Vendor-04/30/2025 | Months Reserves exceed minimum required - 74.59 months PITIA reserves; 6 months reserves required.<br> LTV is less than guideline maximum - LTV 50% is less than guideline max 60%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832781 | xxxxxx D A | Closed | xxxxxx | 2025-03-27 12:04 | 2025-04-08 15:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received policy with borrower as an additional Insured. - Due Diligence Vendor-04/08/2025 <br> Ready for Review-Document Uploaded. please see highlighted second page - Seller-04/04/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Named Insured does not match Borrower(s) Name(s) Borrower is not named insurance on policy. Appears to be the other person on title who is not on this loan and there is no quit claim deed. - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. please see highlighted second page - Seller-04/04/2025 | Resolved-Received policy with borrower as an additional Insured. - Due Diligence Vendor-04/08/2025 | Months Reserves exceed minimum required - 74.59 months PITIA reserves; 6 months reserves required.<br> LTV is less than guideline maximum - LTV 50% is less than guideline max 60%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832781 | xxxxxx D A | Closed | xxxxxx | 2025-03-27 12:06 | 2025-04-08 15:09 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received documentation to support free and clear. - Due Diligence Vendor-04/08/2025 <br> Ready for Review-Document Uploaded. see page 6 - Seller-04/04/2025 <br> Open-Housing History Does Not Meet Guideline Requirements - missing property profile to verify subject is free & clear. - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. see page 6 - Seller-04/04/2025 | Resolved-Received documentation to support free and clear. - Due Diligence Vendor-04/08/2025 | Months Reserves exceed minimum required - 74.59 months PITIA reserves; 6 months reserves required.<br> LTV is less than guideline maximum - LTV 50% is less than guideline max 60%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832798 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 832941 | xxxxxx C A | Closed | xxxxxx | 2025-04-18 00:01 | 2025-05-01 12:48 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received legal description attached to security instrument. - Due Diligence Vendor-05/01/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. MISSING MORTGAGE INSTRUMENT LEGAL DESCRIPTION. - Due Diligence Vendor-04/18/2025 |  | Resolved-Received legal description attached to security instrument. - Due Diligence Vendor-05/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 785. Per guides, minimum score required 660.<br> Months Reserves exceed minimum required - 136.33mos reserves. Per guides, 2 reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832954 | xxxxxx C B A | Closed | xxxxxx | 2025-04-30 11:28 | 2025-05-09 11:28 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Trustee cert provided. - Due Diligence Vendor-05/09/2025 <br> Ready for Review-Document Uploaded. 5/7/25 - please see trust cert. Manually uploaded in xxxxxx. Counter coding keeps bouncing condition back to xxxxxx without review. - Buyer-05/07/2025 <br> Counter-Received Deed - missing Trust agreement verifying the trustee of the trust. - Due Diligence Vendor-05/05/2025 <br> Open-Property Title Issue Title held in a trust, missing trust agreement verifying the trustee of the trust> Deeded out to the borrower's name at closing. - Due Diligence Vendor-04/30/2025 |  | Resolved-Trustee cert provided. - Due Diligence Vendor-05/09/2025 | DSCR % greater than 1.20 - DSCR 1.413 <br> Months Reserves exceed minimum required - 58.26mos reserves. Per guides, 2 reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832954 | xxxxxx C B A | Closed | xxxxxx | 2025-04-29 16:11 | 2025-05-07 11:25 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT w/Legal. - Due Diligence Vendor-05/07/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. MISSING LEGAL DESCRIPTION - Due Diligence Vendor-04/29/2025 |  | Resolved-Received DOT w/Legal. - Due Diligence Vendor-05/07/2025 | DSCR % greater than 1.20 - DSCR 1.413 <br> Months Reserves exceed minimum required - 58.26mos reserves. Per guides, 2 reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832954 | xxxxxx C B A | Closed | xxxxxx | 2025-04-30 10:51 | 2025-05-01 07:56 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed Non-material. Experienced investor, borrower has credit score to go 75% (on SFD) - Due Diligence Vendor-05/01/2025 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% LENDER EXCEPTION IN FILE: LTV of 75% exceeds guideline max of 70% (xxxxxx unit property). PER MATRIX PG11: Property Type xxxxxx Units, Refinance 70%. - Due Diligence Vendor-04/30/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed Non-material. Experienced investor, borrower has credit score to go 75% (on SFD) - Due Diligence Vendor-05/01/2025 | DSCR % greater than 1.20 - DSCR 1.413 <br> Months Reserves exceed minimum required - 58.26mos reserves. Per guides, 2 reserves required. | LENDER COMP FACTORS: <br> - Credit Score 30+ points > minimum required<br> - Experienced investor owns and manages 2 or more properties for 12 months | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 832968 | xxxxxx D A | Closed | xxxxxx | 2025-04-08 09:46 | 2025-05-08 11:55 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Received confirmation of ownership and experience of investment properties. - Due Diligence Vendor-05/08/2025 <br> Ready for Review-Document Uploaded. Please see attached confirmation of ownership of property in the xxxxxx and lease history covering at least one year in the last 3 years - Buyer-05/07/2025 <br> Open-Subject loan is a rate and term refinance. Borrower purchased subject property 6 months. However, documentation in file does not support history of owning or managing commercial or non-owner occupied residential real estate for at least 1 year in last 3 years. Also, Borrower is currently renting primary residence. Lender approval and loan application reflects Borrower own long term rental in xxxxxx but missing proof of ownership and managing history. - Due Diligence Vendor-04/08/2025 |  | Resolved-Received confirmation of ownership and experience of investment properties. - Due Diligence Vendor-05/08/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 716 is at least 20 points above minimum for program<br> .<br> Months Reserves exceed minimum required - Months Reserves 8 exceed minimum required 3. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 832968 | xxxxxx D A | Closed | xxxxxx | 2025-04-07 14:12 | 2025-04-17 12:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing an established escrow impound account for taxes and insurance. | Resolved-Upon further review, the Initial Escrow Disclosure is not a required document. - Due Diligence Vendor-04/17/2025 <br> Counter-Please provide the Initial Escrow disclosure. - Due Diligence Vendor-04/14/2025 <br> Open-Loan closing instructions indicate escrow fees in tax and insurance. - Due Diligence Vendor-04/07/2025 |  | Resolved-Upon further review, the Initial Escrow Disclosure is not a required document. - Due Diligence Vendor-04/17/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 716 is at least 20 points above minimum for program<br> .<br> Months Reserves exceed minimum required - Months Reserves 8 exceed minimum required 3. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 832968 | xxxxxx D A | Closed | xxxxxx | 2025-04-08 10:32 | 2025-04-14 11:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Upon further review, the policy meets the minimum requirements per the guidelines. - Due Diligence Vendor-04/14/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Confirm insurance policy is a rental or landlord policy. Policy in file indicate policy type "House and Home." - Due Diligence Vendor-04/08/2025 |  | Resolved-Upon further review, the policy meets the minimum requirements per the guidelines. - Due Diligence Vendor-04/14/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 716 is at least 20 points above minimum for program<br> .<br> Months Reserves exceed minimum required - Months Reserves 8 exceed minimum required 3. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 833059 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 833088 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 833113 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 833140 | xxxxxx B A | Closed | xxxxxx | 2025-04-28 18:22 | 2025-04-30 08:15 | Waived | 2 - Non-Material B | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Waived-Client waiver applied to non material finding with comp factors<br> - Due Diligence Vendor-04/30/2025 <br> Open-Missing Approval/Underwriting Summary Missing the approval/underwriting summary. - Due Diligence Vendor-04/28/2025 |  | Waived-Client waiver applied to non material finding with comp factors<br> - Due Diligence Vendor-04/30/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 711, guideline minimum is 660.<br> On time mortgage history exceeds guideline requirement - 0x30x12 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 833167 | xxxxxx C B A | Closed | xxxxxx | 2025-04-17 10:34 | 2025-06-03 12:08 | Resolved | 1 - Information C A | Credit | Eligibility | Condo Structural Reports not in file | Resolved-Received 1st inspection date xxxxxx. - Due Diligence Vendor-06/03/2025 <br> Counter-Received Reserve study dated 4/11/2025-provide xxxxxx milestone inspection dated prior to xxxxxx within compliance. - Due Diligence Vendor-05/28/2025 <br> Counter-Documentation received is insufficient-finding remains. Subject is missing required milestone inspection as required by xxxxxx Bill No.40. Subject Cert. of Occ was on or before 07/01/1992, has a building with xxxxxx and is 30 years of age - Due Diligence Vendor-05/13/2025 <br> Open-Subject is missing required milestone inspection as required by xxxxxx Bill No.40. Subject Cert. of Occ was on or before 07/01/1992, has a building with xxxxxx and is 30 years of age - Due Diligence Vendor-04/17/2025 |  | Resolved-Received 1st inspection date xxxxxx. - Due Diligence Vendor-06/03/2025 | Qualifying FICO score is at least 20 points above minimum for program - 801 vs. min 680<br> Additional verified income not used to qualify - B1 and B2 have other documented income sources not being used in qualifying.<br> Months Reserves exceed minimum required - 53 months available vs. 6 required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 833167 | xxxxxx C B A | Closed | xxxxxx | 2025-04-15 21:52 | 2025-04-15 21:52 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings - Due Diligence Vendor-04/16/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings - Due Diligence Vendor-04/16/2025 | Qualifying FICO score is at least 20 points above minimum for program - 801 vs. min 680<br> Additional verified income not used to qualify - B1 and B2 have other documented income sources not being used in qualifying.<br> Months Reserves exceed minimum required - 53 months available vs. 6 required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 833168 | xxxxxx B A | Closed | xxxxxx | 2025-04-22 22:28 | 2025-04-23 10:53 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-04/23/2025 <br> Open-Housing History Does Not Meet Guideline Requirements LENDER EXCEPTION: First time investor has not owned primary for 12 months. Non-Material. LTV 60% - Due Diligence Vendor-04/23/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-04/23/2025 | LTV is less than guideline maximum - Borr LTV 60%. Per guides, maximum LTV 75%.<br> Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 733. Per guides, minimum score required 680. | LENDER COMP FACTORS:<br> - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> - Credit Score 30+ points > minimum required | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 833214 | xxxxxx D B C A | Closed | xxxxxx | 2025-04-03 11:12 | 2025-04-15 09:26 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Desk review supporting value has been received. - Due Diligence Vendor-04/15/2025 <br> Counter-CDA has been requested. - Due Diligence Vendor-04/08/2025 <br> Open-Additional valuation product has not been provided. Additional conditions may apply. - Due Diligence Vendor-04/03/2025 |  | Resolved-Desk review supporting value has been received. - Due Diligence Vendor-04/15/2025 | Long term residence - 1003 shows borrower at primary >7 years<br> DSCR % greater than 1.20 - DSCR 1.39% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833214 | xxxxxx D B C A | Closed | xxxxxx | 2025-04-03 13:24 | 2025-04-08 11:04 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-The request for an exception to Client's eligibility criteria is granted for loan amount. - Due Diligence Vendor-04/08/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $150000 - Due Diligence Vendor-04/03/2025 |  | Waived-The request for an exception to Client's eligibility criteria is granted for loan amount. - Due Diligence Vendor-04/08/2025 | Long term residence - 1003 shows borrower at primary >7 years<br> DSCR % greater than 1.20 - DSCR 1.39% | Compensating Factor 1 - Reserves exceed requirement by 10 months or more / Compensating Factor 2 - 0x30 for 24 months on all mortgages / Compensating Factor 3 - DSCR > 1.15 | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 833243 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 833255 | xxxxxx D B A | Closed | xxxxxx | 2025-04-15 14:23 | 2025-05-01 10:04 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-EIN number provided. - Due Diligence Vendor-05/01/2025 <br> Counter-Comment received is not sufficient. Please provide evidence of EIN from IRS as noted in 2.3.6.2.2 of guidelines. - Due Diligence Vendor-04/28/2025 <br> Counter-Received State ID. Documentation is insufficient-please provide the vesting entity EIN from IRS. - Due Diligence Vendor-04/24/2025 <br> Counter-Status report provided and Secretary of State, however we are missing the EIN number. - Due Diligence Vendor-04/21/2025 <br> Open-The Business Entity Formation Document is Missing Missing The Business Entity Formation Document. - Due Diligence Vendor-04/15/2025 |  | Resolved-EIN number provided. - Due Diligence Vendor-05/01/2025 | LTV is less than guideline maximum - LTV 46% LTV. Allowed 70%<br> Months Reserves exceed minimum required - 110 months reserves; 2 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833255 | xxxxxx D B A | Closed | xxxxxx | 2025-04-16 09:15 | 2025-04-24 15:26 | Waived | 2 - Non-Material B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Cash in hand of $1,258,000. Exceeds Guideline max of $1,000,000.<br> Loan exception request / approval on file.<br> Client Waiver applied with comp factors. <br> Deemed non-material. - Due Diligence Vendor-04/16/2025 <br> Open-Cash Out Does Not Meet Guideline Requirements 1. Cash in hand of $1,258,000. Exceeds Guideline max of $1,000,000. - Due Diligence Vendor-04/16/2025 |  | Waived-Cash in hand of $1,258,000. Exceeds Guideline max of $1,000,000.<br> Loan exception request / approval on file.<br> Client Waiver applied with comp factors. <br> Deemed non-material. - Due Diligence Vendor-04/16/2025 | LTV is less than guideline maximum - LTV 46% LTV. Allowed 70%<br> Months Reserves exceed minimum required - 110 months reserves; 2 months reserves required. | 1. Reserves exceed requirement by 10 months or more. 2. LTV/CLTV 5% or more below the maximum allowed under applicable guidelines | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 833255 | xxxxxx D B A | Closed | xxxxxx | 2025-04-15 14:58 | 2025-04-21 10:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-04/21/2025 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-04/15/2025 |  | Resolved-Received Fraud Report. - Due Diligence Vendor-04/21/2025 | LTV is less than guideline maximum - LTV 46% LTV. Allowed 70%<br> Months Reserves exceed minimum required - 110 months reserves; 2 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833266 | xxxxxx C B A | Closed | xxxxxx | 2025-04-08 12:14 | 2025-04-22 16:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived--Lender variance letter provided allowing for subject project not being 100% complete, min of 10% of units being sold and max LTV of 70%. Waiver applied to non-material finding. - Due Diligence Vendor-04/22/2025 <br> Ready for Review-Document Uploaded. - Seller-04/16/2025 <br> Open-Guidelines require project or subject phase must be 100% complete. Project is not 100% complete per questionnaire II(1) page 510. 2. Overlay requires that 50% of the total units in a new project or subject's phase must be sold and conveyed. Questionnaire notes xxxxxx units, or 45%, have been sold and conveyed page 511. - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. - Seller-04/16/2025 | Waived--Lender variance letter provided allowing for subject project not being 100% complete, min of 10% of units being sold and max LTV of 70%. Waiver applied to non-material finding. - Due Diligence Vendor-04/22/2025 | LTV is less than guideline maximum - LTV 70% max 75%.<br> Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 742; minimum score 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 833300 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 833302 | xxxxxx C A | Closed | xxxxxx | 2025-03-17 10:36 | 2025-04-18 12:46 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-The Mortgage Document (Deed of Trust) has been provided with an updated notary date. - Due Diligence Vendor-04/18/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/17/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Borrower signature date is xxxxxx, notary date is xxxxxx. - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/17/2025 | Resolved-The Mortgage Document (Deed of Trust) has been provided with an updated notary date. - Due Diligence Vendor-04/18/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 39% below maximum allowed 50%<br> Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 753 is at least 20 points above minimum for program 700. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833302 | xxxxxx C A | Closed | xxxxxx | 2025-04-18 06:51 | 2025-04-18 06:58 | Resolved | 1 - Information C A | Credit | Closing | Security Instrument Date does not equal Note Date | Resolved-Using the original finding for the mortgage. Resolving this one and countering the other one. - Due Diligence Vendor-04/18/2025 <br> Open-Security Instrument Date does not match the Note Date - Due Diligence Vendor-04/18/2025 |  | Resolved-Using the original finding for the mortgage. Resolving this one and countering the other one. - Due Diligence Vendor-04/18/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 39% below maximum allowed 50%<br> Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 753 is at least 20 points above minimum for program 700. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833302 | xxxxxx C A | Closed | xxxxxx | 2025-03-19 13:56 | 2025-04-11 10:10 | Resolved | 1 - Information C A | Credit | Eligibility | Non-Arm's Length Transactions Not Allowed for Program | Resolved-Proof provided that the donors are the borrower's cousins. - Due Diligence Vendor-04/11/2025 <br> Counter-Received corrected PCCD reflecting gift of equity. Finding remains: Gift of Equity Letter reflects Donor as xxxxxx. LOE Relationship: xxxxxx; LLC vested owner on title and final CD. Purchase contract does not reflect relationship nor appraisal. Finding remains. - Due Diligence Vendor-04/09/2025 <br> Ready for Review-Document Uploaded. Please see attached PCCD correcting the funds from the seller to Gift of Equity from Seller Credit. - Seller-04/07/2025 <br> Counter-Documentation received contains discrepancies. Finding remains. - Due Diligence Vendor-04/01/2025 <br> Ready for Review-We note that the Purchase Contract and Appraisal showing Non-Arms Length is informational and would not impact the Purchase Price or Appraised Value. We further note that the loan was underwritten as a Non-Arms Length transaction; therefore the information not listed on the requested documents is not material. The file contains substantial information confirming the relationship between the buyer and the seller. We ask that this condition please be cleared. - Seller-03/28/2025 <br> Counter-Gift of Equity Letter reflects Donor as xxxxxx. LOE Relationship: xxxxxx; Seller Credit noted on final CD not Gift of Equity; LLC vested owner on title and final CD. Purchase contract does not reflect relationship nor appraisal. Finding remains. - Due Diligence Vendor-03/24/2025 <br> Ready for Review-We respectfully disagree, the gift letter and gift of equity is from both sellers as per the purchase contract. The donors are the borrower's xxxxxx. - Seller-03/21/2025 <br> Open-Non-Arm's Length Transactions Not Allowed for Program Gift of equity explanation letter in file indicating relationship between borrower and donor does not match name and relationship on the gift letter. - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. Please see attached PCCD correcting the funds from the seller to Gift of Equity from Seller Credit. - Seller-04/07/2025 <br> Ready for Review-We note that the Purchase Contract and Appraisal showing Non-Arms Length is informational and would not impact the Purchase Price or Appraised Value. We further note that the loan was underwritten as a Non-Arms Length transaction; therefore the information not listed on the requested documents is not material. The file contains substantial information confirming the relationship between the buyer and the seller. We ask that this condition please be cleared. - Seller-03/28/2025 <br> Ready for Review-We respectfully disagree, the gift letter and gift of equity is from both sellers as per the purchase contract. The donors are the borrower's cousin, xxxxxx and xxxxxx. - Seller-03/21/2025 | Resolved-Proof provided that the donors are the borrower's cousins. - Due Diligence Vendor-04/11/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 39% below maximum allowed 50%<br> Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 753 is at least 20 points above minimum for program 700. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833302 | xxxxxx C A | Closed | xxxxxx | 2025-03-19 14:04 | 2025-04-09 09:09 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received 12 months payments, proof of residence and confirmation non borrowing spouse is primary on lease. - Due Diligence Vendor-04/09/2025 <br> Ready for Review-Document Uploaded. We disagree with this finding, finding refers to a letter for a different property (xxxxxx); File also contains the VOR for the borrower's primary , xxxxxx, along with a 12 month transaction history which reflects the payments from 01/2024 - 01/2025 from the borrower's account (xxxxxx). We ask that this condition please be cleared - Seller-04/07/2025 <br> Counter-The dates on the VOR reflect move in 12/21/2024 move out 12/17/2024-Provide acceptable VOR. - Due Diligence Vendor-04/01/2025 <br> Ready for Review-Document Uploaded. Please see attached QCD showing xxxxxx is the borrower's spouse. This should suffice as housing history for the borrower since living with his spouse and the VOR covers their primary residence. - Seller-03/28/2025 <br> Counter-Received duplicate documentation-finding remains. - Due Diligence Vendor-03/24/2025 <br> Ready for Review-Document Uploaded. We respectfully disagree. Although the letter from xxxxxx does appear to have date typos, the additional documentation provided regarding the lease for unit xxxxxx clearly list the address, the occupants and lease term/dates. Additionally, the payments are printed from the borrower's account, which is the same account listed on the 1003. Please see attached. - Seller-03/21/2025 <br> Open-Housing History Does Not Meet Guideline Requirements 1. VOR dated 2/26/2025 reflects different name (not borrower) and different property address than the primary home address showing on 1003. <br> 2. VOR shows move in date 12/21/2024 and move out date 12/17/2024 (appears to be a typo). Per guideline requires VOR supporting no more than 1x30 in the past 12 months. (Payment history ledger cannot be used, cannot see landlord name and borrower name not on the account printout)<br> - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. We disagree with this finding, finding refers to a letter for a different property (xxxxxx); File also contains the VOR for the borrower's primary , xxxxxx, along with a 12 month transaction history which reflects the payments from 01/2024 - 01/2025 from the borrower's account (Acctxxxxxx). We ask that this condition please be cleared - Seller-04/07/2025 <br> Ready for Review-Document Uploaded. Please see attached QCD showing xxxxxx is the borrower's spouse. This should suffice as housing history for the borrower since living with his spouse and the VOR covers their primary residence. - Seller-03/28/2025 <br> Ready for Review-Document Uploaded. We respectfully disagree. Although the letter from xxxxxx does appear to have date typos, the additional documentation provided regarding the lease for unit xxxxxx clearly list the address, the occupants and lease term/dates. Additionally, the payments are printed from the borrower's account, which is the same account listed on the 1003. Please see attached. - Seller-03/21/2025 | Resolved-Received 12 months payments, proof of residence and confirmation non borrowing spouse is primary on lease. - Due Diligence Vendor-04/09/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 39% below maximum allowed 50%<br> Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 753 is at least 20 points above minimum for program 700. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833302 | xxxxxx C A | Closed | xxxxxx | 2025-03-19 14:40 | 2025-03-26 17:28 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Upon further review, the guidelines require appliances for xxxxxx only, subject is a xxxxxx unit. - Due Diligence Vendor-03/26/2025 <br> Ready for Review-We respectfully disagree. The unit is vacant, and a xxxxxx is not a requirement, nor does it pose any health or safety concerns. Occupant moving into that unit is assumed to be bringing their own appliances. - Seller-03/25/2025 <br> Open-Property Issues are identified for the property Unit xxxxxx is missing a xxxxxx - Due Diligence Vendor-03/19/2025 | Ready for Review-We respectfully disagree. The unit is vacant, and a xxxxxx is not a requirement, nor does it pose any health or safety concerns. Occupant moving into that unit is assumed to be bringing their own appliances. - Seller-03/25/2025 | Resolved-Upon further review, the guidelines require appliances for xxxxxx only, subject is a xxxxxx unit. - Due Diligence Vendor-03/26/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 39% below maximum allowed 50%<br> Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 753 is at least 20 points above minimum for program 700. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833308 | xxxxxx D B A | Closed | xxxxxx | 2025-06-05 15:02 | 2025-06-24 17:54 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received Note - Due Diligence Vendor-06/05/2025 <br> Open-Missing fully execute Note - Due Diligence Vendor-06/05/2025 |  | Resolved-Received Note - Due Diligence Vendor-06/05/2025 | Months Reserves exceed minimum required - 94 mths reserves; 3 mths required.<br> DSCR % greater than 1.20 - DSCR % > 1.20- Borrower's DSCR % is 1.279 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833308 | xxxxxx D B A | Closed | xxxxxx | 2025-03-13 12:07 | 2025-06-24 17:51 | Resolved | 1 - Information D A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-Received Mortgage and all Riders. - Due Diligence Vendor-03/17/2025 <br> Ready for Review-Document Uploaded. Please see attached Mortgage Doc - Seller-03/14/2025 <br> Open-The Deed of Trust is Missing Provide the Deed of Trust for the subject property. - Due Diligence Vendor-03/13/2025 | Ready for Review-Document Uploaded. Please see attached Mortgage Doc - Seller-03/14/2025 | Resolved-Received Mortgage and all Riders. - Due Diligence Vendor-03/17/2025 | Months Reserves exceed minimum required - 94 mths reserves; 3 mths required.<br> DSCR % greater than 1.20 - DSCR % > 1.20- Borrower's DSCR % is 1.279 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833308 | xxxxxx D B A | Closed | xxxxxx | 2025-03-13 15:52 | 2025-03-13 15:55 | Waived | 2 - Non-Material C B | Credit | Insurance | Rent Loss Coverage is Insufficient or Missing | Waived-Originator exception granted and in file, waiver applied with comp factors. (Non Mat-Approved lender exception on file with valid comp factors; New guides do not require rent loss for 6 months) - Due Diligence Vendor-03/13/2025 <br> Open-Rent Loss Coverage is Insufficient or Missing. Lender Exception: "new guides don't require the rent loss of 6 months but we need a soft<br> exception to go off of the new guides." - Due Diligence Vendor-03/13/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. (Non Mat-Approved lender exception on file with valid comp factors; New guides do not require rent loss for 6 months) - Due Diligence Vendor-03/13/2025 | Months Reserves exceed minimum required - 94 mths reserves; 3 mths required.<br> DSCR % greater than 1.20 - DSCR % > 1.20- Borrower's DSCR % is 1.279 | LTV 5 below max<br> DSCR > 1.20 | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 833347 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 833447 | xxxxxx D A | Closed | xxxxxx | 2025-04-29 11:08 | 2025-05-07 11:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Received revised commitment reflecting both liens. - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. Title report including both loan amounts - Seller-05/05/2025 <br> Counter-Received duplicate copy of prelim-coverage insufficient-does not reflect 2nd lien loan amount-only 1st lien. - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. Title report for 1st uploaded - Seller-04/30/2025 <br> Open-Title Document is missing Copy of title for 1st mortgage in file, missing for closed end second. - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. Title report including both loan amounts - Seller-05/05/2025 <br> Ready for Review-Document Uploaded. Title report for 1st uploaded - Seller-04/30/2025 | Resolved-Received revised commitment reflecting both liens. - Due Diligence Vendor-05/07/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO of 802 is higher than the minimum FICO required of 680<br> Qualifying DTI below maximum allowed - DTI of 39.28% is less than the maximum allowed per guidelines of 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833472 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 833475 | xxxxxx D A | Closed | xxxxxx | 2025-04-23 14:15 | 2025-05-01 16:10 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-xxxxxx provided with a 2.1 score. - Due Diligence Vendor-05/01/2025 <br> Counter-Documentation received is not sufficient. If utilizing xxxxxx Collateral Underwriter SSR required. - Due Diligence Vendor-05/01/2025 <br> Open-Additional valuation product has not been provided. - Provide a Secondary Valuation or Additional Valuation per securitization requirements. LCA Score provided is above 2.5. - Due Diligence Vendor-04/23/2025 |  | Resolved-xxxxxx provided with a 2.1 score. - Due Diligence Vendor-05/01/2025 | Months Reserves exceed minimum required - 35.16mos reserves. Per guides, 2 reserves required.<br> DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.088. Per guides, minimum DSCR 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833520 | xxxxxx C B A | Closed | xxxxxx | 2025-04-24 11:42 | 2025-04-30 11:25 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Received deed. - Due Diligence Vendor-04/30/2025 <br> Open-Vested Owner Signature Requirement Not met. Missing executed Quit Claim Deed from trust to individuals - Due Diligence Vendor-04/24/2025 |  | Resolved-Received deed. - Due Diligence Vendor-04/30/2025 | LTV is less than guideline maximum - Borr LTV 46.2%. Per guides, maximum LTV 75%.<br> Months Reserves exceed minimum required - 91.52mos reserves. Per guides, 12 reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833520 | xxxxxx C B A | Closed | xxxxxx | 2025-04-22 16:33 | 2025-04-29 12:04 | Waived | 2 - Non-Material C B | Credit | Eligibility | Escrow waiver guidelines were not met | Waived-Client exception granted for waiving escrows, waiver applied with compactors - Due Diligence Vendor-04/29/2025 <br> Open-Missing Escrow Waiver - Due Diligence Vendor-04/22/2025 |  | Waived-Client exception granted for waiving escrows, waiver applied with compactors - Due Diligence Vendor-04/29/2025 | LTV is less than guideline maximum - Borr LTV 46.2%. Per guides, maximum LTV 75%.<br> Months Reserves exceed minimum required - 91.52mos reserves. Per guides, 12 reserves required. | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Experienced investor owns and manages 10 or more properties for 12 months | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 833520 | xxxxxx C B A | Closed | xxxxxx | 2025-04-24 00:51 | 2025-04-29 12:00 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated commitment w/sufficient coverage. - Due Diligence Vendor-04/29/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Due Diligence Vendor-04/24/2025 |  | Resolved-Received updated commitment w/sufficient coverage. - Due Diligence Vendor-04/29/2025 | LTV is less than guideline maximum - Borr LTV 46.2%. Per guides, maximum LTV 75%.<br> Months Reserves exceed minimum required - 91.52mos reserves. Per guides, 12 reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833520 | xxxxxx C B A | Closed | xxxxxx | 2025-04-24 01:42 | 2025-04-24 12:00 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-04/24/2025 <br> Open-Audited FICO of 712 is less than Guideline FICO of 720 EXCEPTION in file: credit score of 712 does not meet guideline minimum of 720 (waiving escrows)<br> - Due Diligence Vendor-04/24/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-04/24/2025 | LTV is less than guideline maximum - Borr LTV 46.2%. Per guides, maximum LTV 75%.<br> Months Reserves exceed minimum required - 91.52mos reserves. Per guides, 12 reserves required. | -LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> - Experienced investor owns and manages 10 or more properties for 12 months | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 833527 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 833528 | xxxxxx D A C | Closed | xxxxxx | 2025-04-08 13:19 | 2025-05-22 12:37 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Updated dec page provided with sufficient coverage. - Due Diligence Vendor-05/22/2025 <br> Ready for Review-Document Uploaded. Please see provided HOI with increased Coverage! xxxxxx - Buyer-05/22/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. The minimum coverage needed is $xxxxxx or confirmation of 100% replacement cost coverage. - Due Diligence Vendor-05/15/2025 |  | Resolved-Updated dec page provided with sufficient coverage. - Due Diligence Vendor-05/22/2025 | Months Reserves exceed minimum required - Minimum reserves are 0 months, Borrower has 31 months<br> Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 721 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833528 | xxxxxx D A C | Closed | xxxxxx | 2025-04-07 11:18 | 2025-04-11 16:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received attestation that lender does not have any affiliates. - Due Diligence Vendor-04/11/2025 <br> Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. <br> - Due Diligence Vendor-04/07/2025 |  | Resolved-Received attestation that lender does not have any affiliates. - Due Diligence Vendor-04/11/2025 | Months Reserves exceed minimum required - Minimum reserves are 0 months, Borrower has 31 months<br> Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 721 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833551 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 833555 | xxxxxx D A | Closed | xxxxxx | 2025-04-29 17:44 | 2025-05-06 10:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Upon further review, the LOE provided by borrower is sufficient, nothing further is needed or required. - Due Diligence Vendor-05/06/2025 <br> Ready for Review-A truthful letter was provided by the borrower - no additional documentation is warranted by the borrower or us as to how they were able to locate the property. Please check with xxxxxx of any additional questions. - Seller-05/01/2025 <br> Open-Subject was not listed for sale. Original seller, Assignor and Assignee, ALL must detail how they learned of the offering for sale as the subject has not been listed on the open market as this exhibits characteristics of a bailout. Letter provided from borrower does not suffice, it indicates the borrower learned of the property through their xxxxxx however there is no xxxxxx listed on the CD/Settlement statement or on the purchase agreement. Missing further LOE from borrower AND LOE from Assignor and Assignee stating no relationship. - Due Diligence Vendor-04/29/2025 | Ready for Review-A truthful letter was provided by the borrower - no additional documentation is warranted by the borrower or us as to how they were able to locate the property. Please check with xxxxxx and or xxxxxx of any additional questions. - Seller-05/01/2025 | Resolved-Upon further review, the LOE provided by borrower is sufficient, nothing further is needed or required. - Due Diligence Vendor-05/06/2025 | Months Reserves exceed minimum required - 16.4 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 833555 | xxxxxx D A | Closed | xxxxxx | 2025-04-29 17:47 | 2025-05-05 17:05 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Received confirmation from appraiser. - Due Diligence Vendor-05/05/2025 <br> Ready for Review-Document Uploaded. - Seller-05/05/2025 <br> Open-1. Appraiser suggests (pg 447) that a licensed xxxxxx inspect the subject xxxxxx system for possible damage and costs. This inspection was not provided.<br> 2. Appraiser states that xxxxxx but fails to mention if the remainder of the xxxxxx. Per pics the xxxxxx. - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. - Seller-05/05/2025 | Resolved-Received confirmation from appraiser. - Due Diligence Vendor-05/05/2025 | Months Reserves exceed minimum required - 16.4 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 833555 | xxxxxx D A | Closed | xxxxxx | 2025-04-29 07:54 | 2025-05-05 17:03 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-05/05/2025 <br> Ready for Review-Document Uploaded. - Seller-05/05/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. - Seller-05/05/2025 | Resolved-Received business purpose affidavit. - Due Diligence Vendor-05/05/2025 | Months Reserves exceed minimum required - 16.4 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 833563 | xxxxxx D A | Closed | xxxxxx | 2025-06-29 18:29 | 2025-07-02 10:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-07/02/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Provide the Gap Credit report. - Due Diligence Vendor-06/29/2025 |  | Resolved-Received UDM. - Due Diligence Vendor-07/02/2025 | Months Reserves exceed minimum required - Min reserves req'd 3 mths- Borrower's reserves 102.5 mths<br> Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640- Borrower's FICO 725 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 833563 | xxxxxx D A | Closed | xxxxxx | 2025-06-30 07:33 | 2025-07-01 09:49 | 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-07/01/2025 <br> Open- - Due Diligence Vendor-06/30/2025 |  | Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-07/01/2025 | Months Reserves exceed minimum required - Min reserves req'd 3 mths- Borrower's reserves 102.5 mths<br> Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640- Borrower's FICO 725 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 833587 | xxxxxx D B A | Closed | xxxxxx | 2025-05-02 12:32 | 2025-05-07 10:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-VOR provided covering 9/2023-3/2025 - Due Diligence Vendor-05/07/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing 12 month housing history on primary and previous residence - Due Diligence Vendor-05/02/2025 |  | Resolved-VOR provided covering 9/2023-3/2025 - Due Diligence Vendor-05/07/2025 | DSCR % greater than 1.20 - DSCR of 1.33<br> Months Reserves exceed minimum required - Verified assets of 103 exceeds the minimum required of 2 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833587 | xxxxxx D B A | Closed | xxxxxx | 2025-05-02 12:39 | 2025-05-02 12:41 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-05/02/2025 <br> Open-Audited LTV of 70% exceeds Guideline LTV of 65% EXCEPTION in file: Guideline - Loan amounts < $150,000 have a Max 65% LTV. Exception requesting 70% LTV<br> - Due Diligence Vendor-05/02/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-05/02/2025 | DSCR % greater than 1.20 - DSCR of 1.33<br> Months Reserves exceed minimum required - Verified assets of 103 exceeds the minimum required of 2 months | DSCR > 1.3<br> Experienced investor owns and manages 5 or more properties for 12 months | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 833596 | xxxxxx D A | Closed | xxxxxx | 2025-05-08 12:00 | 2025-06-18 10:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-LOX provided. - Due Diligence Vendor-06/18/2025 <br> Counter-Provide LOE from borrower for declining income and 6x negative balances and no positive balances at end of month - Due Diligence Vendor-06/17/2025 <br> Counter-Received 12 months bank statements-borrowers income is declining, 6x negative balance and no positive balances at end of month, 3 large deposits not addressed: $99,635 1/8; $116,756.60 1/23 and $111,227.54 12/3. Income does not meet guidelines. - Due Diligence Vendor-06/12/2025 <br> Open-Borrower 1 Business Bank Statements Missing Missing 11 months Business Bank Statements for acctxxxxxx . Only March was provided. - Due Diligence Vendor-05/08/2025 |  | Resolved-LOX provided. - Due Diligence Vendor-06/18/2025 | LTV is less than guideline maximum - LTV is 80% and max allowed is 90%<br> Qualifying FICO score is at least 20 points above minimum for program - Score is 694 and minimum allowed is 660. | 694 fico, min 660.<br> 80% LTV ratio, max 90% | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833596 | xxxxxx D A | Closed | xxxxxx | 2025-05-08 12:20 | 2025-06-17 12:29 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received all needed bank statements and evidence to support large deposits as business deposits - Due Diligence Vendor-06/17/2025 <br> Counter-Received 12 months bank statements-borrowers income is declining, 6x negative balance and no positive balances at end of month, 3 large deposits not addressed: $99,635 1/8; $116,756.60 1/23 and $111,227.54 12/3. Income does not meet guidelines. - Due Diligence Vendor-06/12/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing complete 12 month of Business Bank Statements. - Due Diligence Vendor-05/08/2025 |  | Resolved-Received all needed bank statements and evidence to support large deposits as business deposits - Due Diligence Vendor-06/17/2025 | LTV is less than guideline maximum - LTV is 80% and max allowed is 90%<br> Qualifying FICO score is at least 20 points above minimum for program - Score is 694 and minimum allowed is 660. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833596 | xxxxxx D A | Closed | xxxxxx | 2025-05-08 15:21 | 2025-06-16 20:01 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 7.16% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-06/12/2025 <br> Open-Audited DTI of 90.72% exceeds Guideline DTI of 50%. Provide additional Bank Statements to support income used to qualify. - Due Diligence Vendor-05/08/2025 |  | Resolved-Audited DTI of 7.16% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-06/12/2025 | LTV is less than guideline maximum - LTV is 80% and max allowed is 90%<br> Qualifying FICO score is at least 20 points above minimum for program - Score is 694 and minimum allowed is 660. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833596 | xxxxxx D A | Closed | xxxxxx | 2025-05-08 15:21 | 2025-06-12 10:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-Received confirmation not included in income nor assets. - Due Diligence Vendor-06/12/2025 <br> Open-Missing explanation and supporting documentation for large deposit(s) for acct xxxxxx. - Due Diligence Vendor-05/08/2025 |  | Resolved-Received confirmation not included in income nor assets. - Due Diligence Vendor-06/12/2025 | LTV is less than guideline maximum - LTV is 80% and max allowed is 90%<br> Qualifying FICO score is at least 20 points above minimum for program - Score is 694 and minimum allowed is 660. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833635 | xxxxxx C A | Closed | xxxxxx | 2025-04-11 14:19 | 2025-04-25 16:34 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved-The phase the subject is in is complete and well as all planned amenities and common areas. - Due Diligence Vendor-04/25/2025 <br> Counter-Documentation is insufficient-Condo must meet 11.4 New Project Requirements-finding remains.<br> - Due Diligence Vendor-04/23/2025 <br> Ready for Review-Document Uploaded. - Seller-04/21/2025 <br> Open-Guidelines require project or subject phase must be 100% complete. Project is not 100% complete per questionnaire II. - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. - Seller-04/21/2025 | Resolved-The phase the subject is in is complete and well as all planned amenities and common areas. - Due Diligence Vendor-04/25/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 787; minimum score 640.<br> LTV is less than guideline maximum - LTV 70% max 75%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 833689 | xxxxxx C A | Closed | xxxxxx | 2025-05-15 09:11 | 2025-06-02 12:31 | Resolved | 1 - Information C A | Credit | Eligibility | xxxxxx Foreign National Affidavit is missing or incomplete | Resolved-Completed affidavits provided. - Due Diligence Vendor-06/02/2025 <br> Counter-Received Affidavit-incomplete-missing #3-initial applicable required. - Due Diligence Vendor-05/27/2025 <br> Open-xxxxxx Foreign National Affidavit is Missing or Incomplete. xxxxxx Foreign National Affidavit for BOTH B1 and B2 are Incomplete - Forms missing :Checked Box" - Due Diligence Vendor-05/15/2025 |  | Resolved-Completed affidavits provided. - Due Diligence Vendor-06/02/2025 | Long term residence - Long Term Residence = 11 years<br> Months Reserves exceed minimum required - Reserves = 81 months – Required Reserves = 6 Months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 833691 | xxxxxx D B A | Closed | xxxxxx | 2025-04-23 15:59 | 2025-05-15 10:46 | Waived | 2 - Non-Material C B | Credit | Eligibility | Missing First Mtg Note | Waived-Client provided a waiver for copy of 1st Lien Note, applied to non material finding with comp factors - Due Diligence Vendor-05/15/2025 <br> Counter-Documentation received is insufficient-please provide 1st lien Note-finding remains. - Due Diligence Vendor-05/12/2025 <br> Open-Missing First Mtg Note dated xxxxxx - Due Diligence Vendor-04/23/2025 |  | Waived-Client provided a waiver for copy of 1st Lien Note, applied to non material finding with comp factors - Due Diligence Vendor-05/15/2025 | CLTV is less than guidelines maximum - CLTV of 78.39% is less than guideline 90% max<br> Qualifying DTI below maximum allowed - 41.96 DTI is below 50% maximum | Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 20 points > minimum required / Compensating Factor 3 - 0x30 for 24 months on all mortgages | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 833691 | xxxxxx D B A | Closed | xxxxxx | 2025-04-23 16:54 | 2025-05-12 11:20 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Received complete credit report. - Due Diligence Vendor-05/12/2025 <br> Open-Borrower 1 Credit Report is Partially Present. The credit report used to evaluate a loan may not reflect a security freeze - there is a freeze on credit with xxxxxx<br> - Due Diligence Vendor-04/23/2025 |  | Resolved-Received complete credit report. - Due Diligence Vendor-05/12/2025 | CLTV is less than guidelines maximum - CLTV of 78.39% is less than guideline 90% max<br> Qualifying DTI below maximum allowed - 41.96 DTI is below 50% maximum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833691 | xxxxxx D B A | Closed | xxxxxx | 2025-04-23 15:58 | 2025-04-28 11:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received property tax cert. - Due Diligence Vendor-04/28/2025 <br> Open-Missing Evidence of Property Tax Missing Tax Docs - Due Diligence Vendor-04/23/2025 |  | Resolved-Received property tax cert. - Due Diligence Vendor-04/28/2025 | CLTV is less than guidelines maximum - CLTV of 78.39% is less than guideline 90% max<br> Qualifying DTI below maximum allowed - 41.96 DTI is below 50% maximum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833691 | xxxxxx D B A | Closed | xxxxxx | 2025-04-23 16:43 | 2025-04-28 11:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Income) | Resolved-Received 1008 notes confirming previously a rental property and recently converted back to primary. - Due Diligence Vendor-04/28/2025 <br> Open-Missing explanation as to why subject primary residence is listed on 2023 1040 sched E as a rental - Due Diligence Vendor-04/23/2025 |  | Resolved-Received 1008 notes confirming previously a rental property and recently converted back to primary. - Due Diligence Vendor-04/28/2025 | CLTV is less than guidelines maximum - CLTV of 78.39% is less than guideline 90% max<br> Qualifying DTI below maximum allowed - 41.96 DTI is below 50% maximum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833699 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 833704 | xxxxxx C A | Closed | xxxxxx | 2025-04-11 15:35 | 2025-05-14 10:32 | Resolved | 1 - Information C A | Credit | Eligibility | Short Term Rental Income does not meet guidelines | Resolved-Received Narrative. - Due Diligence Vendor-05/14/2025 <br> Counter-Received xxxxxx-only eligible on Purchase transactions. Provide acceptable documentation meeting guideline 2.8.2.1.2 - Due Diligence Vendor-04/17/2025 <br> Open-Short term rental income was completed on Form 1007. Per investor guidelines; effective for appraisals completed as of xxxxxx, and after xxxxxx Form 1007 or 1025 will no longer be acceptable documentation to calculate gross monthly rent for short-term rental property. Short-term rents can be documented with one of the following options depending upon the transaction: Alternative Short-Term Rent Analysis form developed by an xxxxxx, 12-month look back on rents received using bank statements or 3rd party rental statements or xxxxxx Property Earning Potential Report. - Due Diligence Vendor-04/11/2025 |  | Resolved-Received Narrative. - Due Diligence Vendor-05/14/2025 | LTV is less than guideline maximum - LTV 31.88% LTV. Allowed 75%.<br> Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 734; guidelines require 660.<br> DSCR % greater than 1.20 - DSCR = 1.454 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833731 | xxxxxx C B A | Closed | xxxxxx | 2025-04-21 09:32 | 2025-05-08 09:03 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project is ineligible | Resolved-Received variance letter for HOA control not transferred to unit owners, minimum units sold/conveyed, max DSCR financing (LTV). Subject is xxxxxx units combined as one with ingress/egress as noted by the appraiser between the xxxxxx units with no exterior entrance/exit for the xxxxxx unit therefore property is considered eligible. Finding is resolved. - Due Diligence Vendor-05/08/2025 <br> Counter-Documentation is insufficient-We would need verification from the appraiser that the xxxxxx unit does not have exterior access where indicated, or any area not pictured, in the below picture. Additionally, there are still other issues within this finding that need to be addressed before we are able to clear. See below #3 and 4 - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. Document Uploaded. these are not being used as two different units - we already have a xxxxxx - Seller-05/02/2025 <br> Counter-Variance letter does not address the subject property being a xxxxxx. The overlays dated 2/7/2025 reflect they are not acceptable. - Due Diligence Vendor-05/02/2025 <br> Ready for Review-Document Uploaded. not required by the guidelines - Seller-04/29/2025 <br> Open- (1) Subject is a xxxxxx where the owner holds title to more than one dwelling unit under a single deed and financed by a single mortgage (2) xxxxxx units being sold is a xxxxxx required) with only a xxxxxx neither are NOT acceptable per overlays. Since the unit (xxxxxx) is independent of the additional unit (xxxxxx) this requirement must still be met. The units being deeded together does not resolve the issue. (3) Pre-Sale requirements are not met per overlays. Subject phase is 25% sold and conveyed to the unit owners but guides and project is only at 45%. Guidelines require 50%. (4) Unit owner's do not have the sole ownership interest in and rights to the use of the project's facilities per condo questionnaire Section V Question 3 as required per 11.0 which is not specific to a Warrantable or Non-Warrantable condo - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. Document Uploaded. these are not being used as xxxxxx different units - we already have a xxxxxx - Seller-05/02/2025 <br> Ready for Review-Document Uploaded. not required by the guidelines - Seller-04/29/2025 | Resolved-Received variance letter for HOA control not transferred to unit owners, minimum units sold/conveyed, max DSCR financing (LTV). Subject is xxxxxx units combined as one with ingress/egress as noted by the appraiser between the xxxxxx units with no exterior entrance/exit for the xxxxxx unit therefore property is considered eligible. Finding is resolved. - Due Diligence Vendor-05/08/2025 | Months Reserves exceed minimum required - 20 months PITIA reserves; 2 months reserves required.<br> Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 743, minimum score 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 833731 | xxxxxx C B A | Closed | xxxxxx | 2025-04-21 09:30 | 2025-05-02 08:35 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Purchase contract addendum reflects the entity is xxxxxx; which borrower 3 is the xxxxxx. - Due Diligence Vendor-05/02/2025 <br> Ready for Review-all parties are owners of the LLC - please check all borrowers have middle names - Seller-04/29/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. B3 not added to the purchase contract since they have no ownership interest in xxxxxx who is the entity purchasing the property on the contract. - Due Diligence Vendor-04/21/2025 | Ready for Review-all parties are owners of the LLC - please check all borrowers have middle names - Seller-04/29/2025 | Resolved-Purchase contract addendum reflects the entity is xxxxxx; which borrower 3 is the xxxxxx. - Due Diligence Vendor-05/02/2025 | Months Reserves exceed minimum required - 20 months PITIA reserves; 2 months reserves required.<br> Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 743, minimum score 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 833731 | xxxxxx C B A | Closed | xxxxxx | 2025-04-21 10:15 | 2025-04-21 16:40 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non material due to only being a 5% overage. - Due Diligence Vendor-04/21/2025 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% - Due Diligence Vendor-04/21/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non material due to only being a 5% overage. - Due Diligence Vendor-04/21/2025 | Months Reserves exceed minimum required - 20 months PITIA reserves; 2 months reserves required.<br> Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 743, minimum score 700. | FICO 743<br> 9+ months reserves | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 833731 | xxxxxx C B A | Closed | xxxxxx | 2025-04-21 16:38 | 2025-04-21 16:39 | Waived | 2 - Non-Material C B | Credit | Borrower | Business Entity Formation Document is Incomplete | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non material due to only being one member over the max allowed. - Due Diligence Vendor-04/21/2025 <br> Open-The Business Entity Formation Document is incomplete 5 member LLC, max allowed is 4 members - Due Diligence Vendor-04/21/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non material due to only being one member over the max allowed. - Due Diligence Vendor-04/21/2025 | Months Reserves exceed minimum required - 20 months PITIA reserves; 2 months reserves required.<br> Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 743, minimum score 700. | FICO 743<br> 9+ months reserves | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 833734 | xxxxxx D A | Closed | xxxxxx | 2025-04-30 10:56 | 2025-05-08 12:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Upon further review, the application stated the reason for cash out. - Due Diligence Vendor-05/08/2025 <br> Ready for Review-Document Uploaded. That information is contained within the loan application - see attached on page 2 in the section labeled, "If purpose of loan is a Cash-Out Refinance, please provide a brief description of the use of the proceeds....." - Buyer-05/07/2025 <br> Open-Missing letter of explanation for cash out - Due Diligence Vendor-04/30/2025 |  | Resolved-Upon further review, the application stated the reason for cash out. - Due Diligence Vendor-05/08/2025 | LTV is less than guideline maximum - 64.94% LTV is less than 75% guideline maximum<br> DSCR % greater than 1.20 - DSCR 1.328 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833734 | xxxxxx D A | Closed | xxxxxx | 2025-04-30 10:55 | 2025-05-05 11:32 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received underwriting summary worksheet. - Due Diligence Vendor-05/05/2025 <br> Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-04/30/2025 |  | Resolved-Received underwriting summary worksheet. - Due Diligence Vendor-05/05/2025 | LTV is less than guideline maximum - 64.94% LTV is less than 75% guideline maximum<br> DSCR % greater than 1.20 - DSCR 1.328 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833745 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 833818 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 833850 | xxxxxx C A | Closed | xxxxxx | 2025-04-07 08:45 | 2025-04-23 10:08 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Address #1 is the foreign address listed in REO,. The fraud rpt is looking for similar addresses. Address #2 is confirmed on fraud report to be owned by another individual. - Due Diligence Vendor-04/23/2025 <br> Counter-Please provide documentation to support the borrower is not responsible for the xxxxxx REO's. - Due Diligence Vendor-04/15/2025 <br> Ready for Review-Document Uploaded. borrower is a foreign national, resides in xxxxxx - the system was just trying to validate the foreign input address and found a "similar" one - Seller-04/14/2025 <br> Open-Fraud Report Shows Uncleared Alerts Fraud report shows xxxxxx REO's xxxxxx and xxxxxx not included in 1003. Please provide letter of explanation on xxxxxx address on REO Fraud report not reflected on 1003. - Due Diligence Vendor-04/07/2025 | Ready for Review-Document Uploaded. borrower is a foreign national, resides in xxxxxx - the system was just trying to validate the foreign input address and found a "similar" one - Seller-04/14/2025 | Resolved-Address #1 is the foreign address listed in REO,. The fraud rpt is looking for similar addresses. Address #2 is confirmed on fraud report to be owned by another individual. - Due Diligence Vendor-04/23/2025 | Months Reserves exceed minimum required - 24.39 months PITIA reserves; 6 months reserves required.<br> DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.13 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 833856 | xxxxxx D A | Closed | xxxxxx | 2025-06-18 21:45 | 2025-06-20 13:18 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received lease on departing residence. - Due Diligence Vendor-06/20/2025 <br> Ready for Review-Document Uploaded. Please see attached the lease agreement for REO - xxxxxx. - Seller-06/19/2025 <br> Open-Audited DTI of 50.32% exceeds Guideline DTI of 50% Missing rental income for departing home REO xxxxxx as reflected on the Final 1003. Rental income to be recalculated upon receipt. - Due Diligence Vendor-06/19/2025 | Ready for Review-Document Uploaded. Please see attached the lease agreement for REO - xxxxxx. - Seller-06/19/2025 | Resolved-Received lease on departing residence. - Due Diligence Vendor-06/20/2025 | LTV is less than guideline maximum - Guidelines allow LTV to 80%. Subject loan LTV is 74.05%.<br> Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 741 guidelines require 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833856 | xxxxxx D A | Closed | xxxxxx | 2025-06-18 21:36 | 2025-06-20 13:18 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received lease on departing residence-dti acceptable. QM status finalized. - Due Diligence Vendor-06/20/2025 <br> Ready for Review-Document Uploaded. Please see attached the lease agreement for REO - xxxxxx. - Seller-06/19/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing rental income for departing home REO xxxxxx as reflected on the Final 1003. Rental income to be recalculated upon receipt. - Due Diligence Vendor-06/19/2025 | Ready for Review-Document Uploaded. Please see attached the lease agreement for REO - xxxxxx. - Seller-06/19/2025 | Resolved-Received lease on departing residence-dti acceptable. QM status finalized. - Due Diligence Vendor-06/20/2025 | LTV is less than guideline maximum - Guidelines allow LTV to 80%. Subject loan LTV is 74.05%.<br> Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 741 guidelines require 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833856 | xxxxxx D A | Closed | xxxxxx | 2025-06-18 21:46 | 2025-06-20 13:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received LOE-land only. - Due Diligence Vendor-06/20/2025 <br> Ready for Review-Document Uploaded. Please see attached the LOE. - Seller-06/19/2025 <br> Open-Missing HOI for REO xxxxxx on Final 1003 or LOE that no HOI is on property. - Due Diligence Vendor-06/19/2025 | Ready for Review-Document Uploaded. Please see attached the LOE. - Seller-06/19/2025 | Resolved-Received LOE-land only. - Due Diligence Vendor-06/20/2025 | LTV is less than guideline maximum - Guidelines allow LTV to 80%. Subject loan LTV is 74.05%.<br> Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 741 guidelines require 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833859 | xxxxxx D A | Closed | xxxxxx | 2025-04-18 15:55 | 2025-04-25 12:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-04/25/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-04/18/2025 |  | Resolved-Received Gap Report. - Due Diligence Vendor-04/25/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO of 823 is higher than the minimum FICO required of 680<br> Months Reserves exceed minimum required - 35.78 mos reserves; 0 required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833943 | xxxxxx D B A | Closed | xxxxxx | 2025-06-11 09:54 | 2025-07-02 15:07 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-Received Seller CD - Due Diligence Vendor-07/02/2025 <br> Ready for Review-6/30/25 - manually re-uploaded to xxxxxx. Please rush review. - Buyer-06/30/2025 <br> Open-ATR: The Lender did not document all ATR Factors Missing documentation of sale of REO xxxxxx (needed for assets to close and removal of liability) - Due Diligence Vendor-06/11/2025 |  | Resolved-Received Seller CD - Due Diligence Vendor-07/02/2025 | Qualifying DTI below maximum allowed - 19.75% DTI, program allows to 50%<br> LTV is less than guideline maximum - 48.81% LTV, program allows 80% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833943 | xxxxxx D B A | Closed | xxxxxx | 2025-06-11 09:54 | 2025-07-02 15:07 | Resolved | 1 - Information C A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-Received seller CD - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. 6/30/25 - manually re-uploaded to xxxxxx. Please rush review. - Buyer-06/30/2025 <br> Open-The Originator QM Status is not the same as the Final QM Status. Missing debt and asset verification. - Due Diligence Vendor-06/11/2025 |  | Resolved-Received seller CD - Due Diligence Vendor-07/02/2025 | Qualifying DTI below maximum allowed - 19.75% DTI, program allows to 50%<br> LTV is less than guideline maximum - 48.81% LTV, program allows 80% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833943 | xxxxxx D B A | Closed | xxxxxx | 2025-06-11 09:34 | 2025-07-02 15:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. 7/2/25 - directly attaching in xxxxxx due to Counter status issues. Please review. - Seller-07/02/2025 <br> Counter-Received original credit report-missing gap credit report meeting guidelines 2.5.2 - Due Diligence Vendor-06/26/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. 7/2/25 - directly attaching in xxxxxx due to Counter status issues. Please review. - Seller-07/02/2025 | Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-07/02/2025 | Qualifying DTI below maximum allowed - 19.75% DTI, program allows to 50%<br> LTV is less than guideline maximum - 48.81% LTV, program allows 80% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833943 | xxxxxx D B A | Closed | xxxxxx | 2025-06-11 09:34 | 2025-07-02 15:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report provided. - Due Diligence Vendor-07/02/2025 <br> Ready for Review-7/2/25 - directly attaching in xxxxxx due to Counter status issues. Please review. - Buyer-07/02/2025 <br> Counter-Received original credit report-missing gap credit report meeting guidelines 2.5.2 - Due Diligence Vendor-06/26/2025 <br> Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-06/11/2025 |  | Resolved-Borrower 2 Gap Credit Report provided. - Due Diligence Vendor-07/02/2025 | Qualifying DTI below maximum allowed - 19.75% DTI, program allows to 50%<br> LTV is less than guideline maximum - 48.81% LTV, program allows 80% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833943 | xxxxxx D B A | Closed | xxxxxx | 2025-06-11 09:49 | 2025-07-02 11:33 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Received Seller CD. - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. 6/30/25 - manually reuploaded to xxxxxx. Please rush review. - Seller-06/30/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Missing documentation of proceeds from sale of REO xxxxxx - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. 6/30/25 - manually reuploaded to xxxxxx. Please rush review. - Seller-06/30/2025 | Resolved-Received Seller CD. - Due Diligence Vendor-07/02/2025 | Qualifying DTI below maximum allowed - 19.75% DTI, program allows to 50%<br> LTV is less than guideline maximum - 48.81% LTV, program allows 80% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833943 | xxxxxx D B A | Closed | xxxxxx | 2025-06-10 14:12 | 2025-06-27 15:12 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. Finding resolved. - Due Diligence Vendor-06/27/2025 <br> Resolved- - Due Diligence Vendor-06/27/2025 <br> Open- - Due Diligence Vendor-06/26/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($4,572.75) exceed the comparable charges ($1,349.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). ----- Ten (10%) tolerance fees (List specific fees) increased by $3088.85 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $3088.85, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is xxxxxx. [Fees not tested correctly, SPL is missing from file, provide Service Provider List (SPL) dated within 3 days of application date. Additional findings may apply upon receipt.]<br> - Due Diligence Vendor-06/10/2025 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. Finding resolved. - Due Diligence Vendor-06/27/2025 | Qualifying DTI below maximum allowed - 19.75% DTI, program allows to 50%<br> LTV is less than guideline maximum - 48.81% LTV, program allows 80% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833943 | xxxxxx D B A | Closed | xxxxxx | 2025-06-10 14:12 | 2025-06-27 15:11 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Upon further review, no further documentation is needed or required.<br> - Due Diligence Vendor-06/24/2025 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. ----- Missing valid COC for applicable increases. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-06/10/2025 |  | Resolved-Upon further review, no further documentation is needed or required.<br> - Due Diligence Vendor-06/24/2025 | Qualifying DTI below maximum allowed - 19.75% DTI, program allows to 50%<br> LTV is less than guideline maximum - 48.81% LTV, program allows 80% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833943 | xxxxxx D B A | Closed | xxxxxx | 2025-06-10 13:30 | 2025-06-26 09:25 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received HOC dated xxxxxx. - Due Diligence Vendor-06/26/2025 <br> Open-Homeownership Counseling Disclosure Is Missing .....Homeownership Counseling Disclosure provided to borrower within three days of the application date is not in file. <br> - Due Diligence Vendor-06/10/2025 |  | Resolved-Received HOC dated xxxxxx. - Due Diligence Vendor-06/26/2025 | Qualifying DTI below maximum allowed - 19.75% DTI, program allows to 50%<br> LTV is less than guideline maximum - 48.81% LTV, program allows 80% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833943 | xxxxxx D B A | Closed | xxxxxx | 2025-06-10 14:12 | 2025-06-26 09:25 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC xxxxxx. - Due Diligence Vendor-06/26/2025 <br> Resolved- - Due Diligence Vendor-06/26/2025 <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 $140.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $140 (2nd Appraisal) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $140, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is xxxxxx.<br> - Due Diligence Vendor-06/10/2025 |  | Resolved-Received COC xxxxxx. - Due Diligence Vendor-06/26/2025 | Qualifying DTI below maximum allowed - 19.75% DTI, program allows to 50%<br> LTV is less than guideline maximum - 48.81% LTV, program allows 80% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833943 | xxxxxx D B A | Closed | xxxxxx | 2025-06-10 14:52 | 2025-06-25 09:44 | Resolved | 1 - Information C A | Compliance | TRID | Missing Intent to Proceed | Resolved-Received ITP receipt. - Due Diligence Vendor-06/25/2025 <br> Ready for Review-6/24/25 - please see attached. Also manually uploaded in xxxxxx to avoid delays in document receipt. - Seller-06/24/2025 <br> Open-There are fees on the final CD that are POC and borrower's signed intent to proceed is missing from file.<br> - Due Diligence Vendor-06/10/2025 | Ready for Review-6/24/25 - please see attached. Also manually uploaded in xxxxxx to avoid delays in document receipt. - Seller-06/24/2025 | Resolved-Received ITP receipt. - Due Diligence Vendor-06/25/2025 | Qualifying DTI below maximum allowed - 19.75% DTI, program allows to 50%<br> LTV is less than guideline maximum - 48.81% LTV, program allows 80% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833943 | xxxxxx D B A | Closed | xxxxxx | 2025-06-12 09:00 | 2025-06-17 10:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received bank statement income analysis. - Due Diligence Vendor-06/17/2025 <br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor-06/12/2025 |  | Resolved-Received bank statement income analysis. - Due Diligence Vendor-06/17/2025 | Qualifying DTI below maximum allowed - 19.75% DTI, program allows to 50%<br> LTV is less than guideline maximum - 48.81% LTV, program allows 80% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833943 | xxxxxx D B A | Closed | xxxxxx | 2025-06-10 13:30 | 2025-06-10 15:08 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material findings. - Due Diligence Vendor-06/10/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material findings. - Due Diligence Vendor-06/10/2025 | Qualifying DTI below maximum allowed - 19.75% DTI, program allows to 50%<br> LTV is less than guideline maximum - 48.81% LTV, program allows 80% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 833943 | xxxxxx D B A | Closed | xxxxxx | 2025-06-10 13:30 | 2025-06-10 15:08 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material findings. - Due Diligence Vendor-06/10/2025 |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material findings. - Due Diligence Vendor-06/10/2025 | Qualifying DTI below maximum allowed - 19.75% DTI, program allows to 50%<br> LTV is less than guideline maximum - 48.81% LTV, program allows 80% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 833944 | xxxxxx C B A | Closed | xxxxxx | 2025-05-04 16:47 | 2025-05-09 11:46 | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Received Recorded Mortgage w/Legal. - Due Diligence Vendor-05/09/2025 <br> Open-The Deed of Trust is Incomplete Missing "Exhibit A" attached to the DOT. - Due Diligence Vendor-05/04/2025 |  | Resolved-Received Recorded Mortgage w/Legal. - Due Diligence Vendor-05/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 817. Per guides, minimum score required 720 (escrows waived).<br> Months Reserves exceed minimum required - 124 months reserves. Per guides, 12 months required (escrows waived). |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833944 | xxxxxx C B A | Closed | xxxxxx | 2025-05-04 16:58 | 2025-05-05 12:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted and in file, waiver applied to non material finding with comp factors. - Due Diligence Vendor-05/08/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Lender exception in file. Subject mortgage has a modification within the past 12 months. - Due Diligence Vendor-05/05/2025 |  | Waived-Client exception granted and in file, waiver applied to non material finding with comp factors. - Due Diligence Vendor-05/08/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 817. Per guides, minimum score required 720 (escrows waived).<br> Months Reserves exceed minimum required - 124 months reserves. Per guides, 12 months required (escrows waived). | Credit Score 30+ points > minimum required<br> Experienced investor owns and manages 5 or more properties for 12 months | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 833947 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 833948 | xxxxxx C B A | Closed | xxxxxx | 2025-04-28 14:35 | 2025-05-20 10:53 | Resolved | 1 - Information C A | Credit | Assets | Asset 7 Does Not Meet Guideline Requirements | Resolved-Received 6 months statements. - Due Diligence Vendor-05/20/2025 <br> Counter-6 months statements are required by the guidelines. Please provide a client approved exception. - Due Diligence Vendor-05/14/2025 <br> Open-Asset 7 Does Not Meet Guideline Requirements Provide 6 months statements for Asset #7. Exclusion of these assets from income calc, results in excessive DTI. - Due Diligence Vendor-04/28/2025 |  | Resolved-Received 6 months statements. - Due Diligence Vendor-05/20/2025 | Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 43.9%<br> Months Reserves exceed minimum required - Lender minimum reserves 12m PITIA, borrower reserves 244m. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833948 | xxxxxx C B A | Closed | xxxxxx | 2025-04-25 11:58 | 2025-05-14 09:18 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received CD xxxxxx with proof of delivery to borrower electronically on xxxxxx. - Due Diligence Vendor-05/14/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. ----Initial CD receipt date of xxxxxx is less than three business days prior to closing date of xxxxxx. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-04/25/2025 |  | Resolved-Received CD xxxxxx with proof of delivery to borrower electronically on 3/26/2025. - Due Diligence Vendor-05/14/2025 | Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 43.9%<br> Months Reserves exceed minimum required - Lender minimum reserves 12m PITIA, borrower reserves 244m. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833948 | xxxxxx C B A | Closed | xxxxxx | 2025-04-25 11:58 | 2025-05-14 09:18 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received Initial LE xxxxxx. No tolerance violation found. - Due Diligence Vendor-05/14/2025 <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 $2,916.50.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). -----Zero (0%) tolerance fees increased by $2,916.50 (Origination Fee, Appraisal, Credit Report Fee, Verication Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $2,916.50 post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is xxxxxx.<br> - Due Diligence Vendor-04/25/2025 |  | Resolved-Received Initial LE xxxxxx. No tolerance violation found. - Due Diligence Vendor-05/14/2025 | Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 43.9%<br> Months Reserves exceed minimum required - Lender minimum reserves 12m PITIA, borrower reserves 244m. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833948 | xxxxxx C B A | Closed | xxxxxx | 2025-04-25 13:27 | 2025-05-14 09:09 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Received Initial LE xxxxxx. - Due Diligence Vendor-05/14/2025 <br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into xxxxxx, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Per xxxxxx in file, application date is xxxxxx. Missing initial LE dated within 3 days of Application date. Additional Findings may apply upon receipt. Statue of Limitations - 1 year, expiration date xxxxxx. - Due Diligence Vendor-04/25/2025 |  | Resolved-Received Initial LE xxxxxx. - Due Diligence Vendor-05/14/2025 | Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 43.9%<br> Months Reserves exceed minimum required - Lender minimum reserves 12m PITIA, borrower reserves 244m. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833948 | xxxxxx C B A | Closed | xxxxxx | 2025-04-25 13:27 | 2025-05-14 09:09 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Resolved-Received SPL dated xxxxxx. - Due Diligence Vendor-05/14/2025 <br> Open-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: (12 CFR §1026.19(e)(1)(vi))The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions)This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.19(e)(1)(e)(1)(iii) §1026.2(a)(6) and as it relates to §1026.19(a)(1)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i) but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii). Per xxxxxx in file, application date is xxxxxx. Missing Service Provider list dated within 3 days of Application date. Additional Findings may apply upon receipt. - Due Diligence Vendor-04/25/2025 |  | Resolved-Received SPL dated xxxxxx. - Due Diligence Vendor-05/14/2025 | Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 43.9%<br> Months Reserves exceed minimum required - Lender minimum reserves 12m PITIA, borrower reserves 244m. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833948 | xxxxxx C B A | Closed | xxxxxx | 2025-04-25 13:27 | 2025-05-14 09:09 | Resolved | 1 - Information C A | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-Received Homeownership Counselor list dated 3/7/2025. - Due Diligence Vendor-05/14/2025 <br> Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. ----Per xxxxxx in file, application date is xxxxxx. Missing HomeownershipCounseling Organization disclosure dated within 3 days of Application date. - Due Diligence Vendor-04/25/2025 |  | Resolved-Received Homeownership Counselor list dated 3/7/2025. - Due Diligence Vendor-05/14/2025 | Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 43.9%<br> Months Reserves exceed minimum required - Lender minimum reserves 12m PITIA, borrower reserves 244m. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833948 | xxxxxx C B A | Closed | xxxxxx | 2025-04-25 13:27 | 2025-05-14 09:09 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received Initial LE xxxxxx and SPL dated xxxxxx. No tolerance violation found. - Due Diligence Vendor-05/14/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($6,865.20) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Ten (10%) tolerance fees (Title fees) increased by $6,865.20 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $6,865.20, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is xxxxxx.<br> - Due Diligence Vendor-04/25/2025 |  | Resolved-Received Initial LE xxxxxx and SPL dated xxxxxx. No tolerance violation found. - Due Diligence Vendor-05/14/2025 | Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 43.9%<br> Months Reserves exceed minimum required - Lender minimum reserves 12m PITIA, borrower reserves 244m. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833948 | xxxxxx C B A | Closed | xxxxxx | 2025-04-28 14:26 | 2025-05-08 15:45 | Waived | 2 - Non-Material B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived------ Client waiver applied to non-material finding. - Due Diligence Vendor-05/08/2025 <br> Counter-Received evidence of receipt of Home Loan Toolkit, finding remains. - Due Diligence Vendor-05/08/2025 <br> Open-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '6'). - Due Diligence Vendor-04/28/2025 |  | Waived------ Client waiver applied to non-material finding. - Due Diligence Vendor-05/08/2025 | Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 43.9%<br> Months Reserves exceed minimum required - Lender minimum reserves 12m PITIA, borrower reserves 244m. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 833950 | xxxxxx C B A | Closed | xxxxxx | 2025-05-04 17:19 | 2025-05-09 11:44 | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Received Recorded Mortgage w/legal. - Due Diligence Vendor-05/09/2025 <br> Open-The Deed of Trust is Incomplete Missing "Exhibit A" attached to the DOT. - Due Diligence Vendor-05/04/2025 |  | Resolved-Received Recorded Mortgage w/legal. - Due Diligence Vendor-05/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 817. Per guides, minimum score required 720 (escrows waived).<br> Months Reserves exceed minimum required - Guidelines require 12 months of reserves. Qualifying reserves are 113 months (escrows waived). |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833950 | xxxxxx C B A | Closed | xxxxxx | 2025-05-04 19:09 | 2025-05-05 12:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted and in file, waiver applied to Non Material finding with comp factors. - Due Diligence Vendor-05/08/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Lender exception subject mortgage has a modification dated within the past 12 months. - Due Diligence Vendor-05/05/2025 |  | Waived-Client exception granted and in file, waiver applied to Non Material finding with comp factors. - Due Diligence Vendor-05/08/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 817. Per guides, minimum score required 720 (escrows waived).<br> Months Reserves exceed minimum required - Guidelines require 12 months of reserves. Qualifying reserves are 113 months (escrows waived). | Reserves exceed requirement by 2 months or more<br> Credit Score 30+ points > minimum required<br> Experienced investor owns and manages 5 or more properties for 12 months | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 834026 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 834039 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 834108 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 834110 | xxxxxx C A | Closed | xxxxxx | 2025-04-30 10:45 | 2025-05-27 09:58 | Resolved | 1 - Information C A | Credit | Eligibility | Missing First Mtg Note | Resolved-Received 1st lien Note - Due Diligence Vendor-05/27/2025 <br> Counter-Received 2nd lien Note--Provide 1st lien Note. - Due Diligence Vendor-05/06/2025 <br> Open- - Due Diligence Vendor-04/30/2025 |  | Resolved-Received 1st lien Note - Due Diligence Vendor-05/27/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min 680, actual 717.<br> Months Reserves exceed minimum required - Min 0, actual 26 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834110 | xxxxxx C A | Closed | xxxxxx | 2025-04-28 16:05 | 2025-05-09 08:32 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-Received PCCD xxxxxx. Finding resolved. - Due Diligence Vendor-05/09/2025 <br> Counter-Received duplicate PCCD xxxxxx. Product stated as Fixed Rate, Loan Terms : Monthly Principal and Interest state Yes under "can this amount increase after closing?" Adjusts every starting in month 11, Can go as high as $2,356. in month 1. Please provided corrected PCCD - Due Diligence Vendor-05/06/2025 <br> Open-CD's and PCCD show adjustable rate however Loans is fixed. Please provided corrected PCCD . - Due Diligence Vendor-04/28/2025 |  | Resolved-Received PCCD xxxxxx. Finding resolved. - Due Diligence Vendor-05/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min 680, actual 717.<br> Months Reserves exceed minimum required - Min 0, actual 26 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834110 | xxxxxx C A | Closed | xxxxxx | 2025-04-29 15:04 | 2025-05-06 10:28 | Resolved | 1 - Information B A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-05/06/2025 <br> Open-LOX for credit inquiries is missing. Missing LOX for credit inquiries. - Due Diligence Vendor-04/29/2025 |  | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-05/06/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min 680, actual 717.<br> Months Reserves exceed minimum required - Min 0, actual 26 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834110 | xxxxxx C A | Closed | xxxxxx | 2025-04-30 11:21 | 2025-05-02 17:20 | Resolved | 1 - Information B A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Gap credit can be no older than 30 days through closing. - Due Diligence Vendor-05/02/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). 11 days out - Due Diligence Vendor-04/30/2025 |  | Resolved-Gap credit can be no older than 30 days through closing. - Due Diligence Vendor-05/02/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min 680, actual 717.<br> Months Reserves exceed minimum required - Min 0, actual 26 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834112 | xxxxxx D A | Closed | xxxxxx | 2025-04-18 16:08 | 2025-05-02 11:40 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Affidavit - Due Diligence Vendor-05/02/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-05/01/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing SUBJECT DSCR INVESTMENT. MISSING BUSINESS PURPOSE AFFIDAVIT. - Due Diligence Vendor-04/18/2025 |  | Resolved-Received Business Purpose Affidavit - Due Diligence Vendor-05/02/2025 | Months Reserves exceed minimum required - 94.05mos reserves. Per guides, no reserves required.<br> DSCR % greater than 1.20 - DSCR 1.648. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834147 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 834154 | xxxxxx D A | Closed | xxxxxx | 2025-04-14 09:49 | 2025-04-24 11:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received email from title confirming items are seller related and will be removed. - Due Diligence Vendor-04/24/2025 <br> Counter-Documentation was not attached. Please reattach. - Due Diligence Vendor-04/22/2025 <br> Open-Title Document is Incomplete Missing Title Supplement reflecting the correct loan amount and 310, #11, #5, #18 , #6 and #9 removed from schedule C. - Due Diligence Vendor-04/14/2025 |  | Resolved-Received email from title confirming items are seller related and will be removed. - Due Diligence Vendor-04/24/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 742 and minimum allowed is 640<br> Months Reserves exceed minimum required - 234 mths reserves; 0 mths required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834154 | xxxxxx D A | Closed | xxxxxx | 2025-04-14 11:13 | 2025-04-24 11:28 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-04/24/2025 <br> Open-Property Title Issue UCC Financing Statement ifile needs to reflect terminated for the inground pool. - Due Diligence Vendor-04/14/2025 |  | Resolved-Property Title Issue Resolved - Due Diligence Vendor-04/24/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 742 and minimum allowed is 640<br> Months Reserves exceed minimum required - 234 mths reserves; 0 mths required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834181 | xxxxxx C B A | Closed | xxxxxx | 2025-04-29 07:51 | 2025-05-08 10:50 | 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-05/08/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing Legal Description - Due Diligence Vendor-04/29/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-05/08/2025 | LTV is less than guideline maximum - LTV is 43.80% and max allowed is 90%<br> Qualifying FICO score is at least 20 points above minimum for program - Score is 790 and minimum allowed is 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834181 | xxxxxx C B A | Closed | xxxxxx | 2025-04-28 14:45 | 2025-04-28 14:45 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/28/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/28/2025 | LTV is less than guideline maximum - LTV is 43.80% and max allowed is 90%<br> Qualifying FICO score is at least 20 points above minimum for program - Score is 790 and minimum allowed is 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 834184 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 834206 | xxxxxx D B A | Closed | xxxxxx | 2025-05-01 08:36 | 2025-05-07 13:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Document Uploaded. Client waiver applied to non-material finding with compensating factors. exception to allow a 674 fico, min 720 with waived escrows. - Due Diligence Vendor-05/07/2025 <br> Open-Audited FICO of 674 is less than Guideline FICO of 720 Escrows waived - Due Diligence Vendor-05/01/2025 |  | Waived-Document Uploaded. Client waiver applied to non-material finding with compensating factors. exception to allow a 674 fico, min 720 with waived escrows. - Due Diligence Vendor-05/07/2025 | Months Reserves exceed minimum required - 111 months reserves exceed 12 months required<br> DSCR % greater than 1.20 - DSCR is 1.249 | 111 months of reserves<br> DSCR 1.249 | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 834206 | xxxxxx D B A | Closed | xxxxxx | 2025-04-30 16:01 | 2025-05-05 11:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received commitment w/sufficient coverage. - Due Diligence Vendor-05/05/2025 <br> Open-Title Document is Incomplete Missing title supplement for insured loan amount - Due Diligence Vendor-04/30/2025 |  | Resolved-Received commitment w/sufficient coverage. - Due Diligence Vendor-05/05/2025 | Months Reserves exceed minimum required - 111 months reserves exceed 12 months required<br> DSCR % greater than 1.20 - DSCR is 1.249 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834231 | xxxxxx D A | Closed | xxxxxx | 2025-05-01 13:16 | 2025-05-06 11:48 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received 1008 - Due Diligence Vendor-05/06/2025 <br> Open-Missing Approval/Underwriting Summary MISSING LENDER APPRVAL/1008 - Due Diligence Vendor-05/01/2025 |  | Resolved-Received 1008 - Due Diligence Vendor-05/06/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.141 <br> Months Reserves exceed minimum required - 81.79mos reserves. Per guides, 6 reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 834231 | xxxxxx D A | Closed | xxxxxx | 2025-05-01 12:23 | 2025-05-06 11:45 | Resolved | 1 - Information C A | Credit | Insurance | xxxxxx Coverage not met | Resolved-Received Master Policy w/sufficient xxxxxx Coverage. - Due Diligence Vendor-05/06/2025 <br> Open-xxxxxx Coverage not met. MISSING CONDO MASTER POLICY - Due Diligence Vendor-05/01/2025 |  | Resolved-Received Master Policy w/sufficient xxxxxx Coverage. - Due Diligence Vendor-05/06/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.141 <br> Months Reserves exceed minimum required - 81.79mos reserves. Per guides, 6 reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 834231 | xxxxxx D A | Closed | xxxxxx | 2025-05-01 12:23 | 2025-05-06 11:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-Received Condo Master Insurance Policy - Due Diligence Vendor-05/06/2025 <br> Open-Missing Condo Master Insurance Policy MISSING CONDO MASTER POLICY - Due Diligence Vendor-05/01/2025 |  | Resolved-Received Condo Master Insurance Policy - Due Diligence Vendor-05/06/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.141 <br> Months Reserves exceed minimum required - 81.79mos reserves. Per guides, 6 reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 834231 | xxxxxx D A | Closed | xxxxxx | 2025-05-01 13:18 | 2025-05-06 11:42 | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-05/06/2025 <br> Open-The Deed of Trust is Incomplete MISSING SUBJECT LEGAL DESCRIPTION - Due Diligence Vendor-05/01/2025 |  | Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-05/06/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.141 <br> Months Reserves exceed minimum required - 81.79mos reserves. Per guides, 6 reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 834284 | xxxxxx C B A | Closed | xxxxxx | 2025-04-11 12:15 | 2025-05-07 16:36 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Lender variance letter provided allowing for subject project not being 100% complete, min of 10% of units being sold and max LTV of 70%. Subject is xxxxxx and per xxxxxx Law would not be required to obtain a Structural Engineer Report. Waiver applied to non-material finding. - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. - Seller-05/01/2025 <br> Open-The file does not contain the required structural engineer report per xxxxxx law. 1. Guidelines require project or subject phase must be 100% complete. Project is not 100% complete per questionnaire II(1) (PDF 463). 2. Overlay requires that 50% of the total units in a new project or subject's phase must be sold and conveyed. Questionnaire notes xxxxxx units, or 45%, have been sold and conveyed (PDF 464). - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. - Seller-05/01/2025 | Waived-Lender variance letter provided allowing for subject project not being 100% complete, min of 10% of units being sold and max LTV of 70%. Subject is xxxxxx and per xxxxxx Law would not be required to obtain a Structural Engineer Report Waiver applied to non-material finding. - Due Diligence Vendor-05/07/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.283; minimum DSCR 0.00.<br> LTV is less than guideline maximum - LTV 50% max 70%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 834284 | xxxxxx C B A | Closed | xxxxxx | 2025-04-11 12:06 | 2025-05-07 16:30 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-xxxxxx noted on statements. - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. assets are actually in xxxxxx - Seller-05/07/2025 <br> Counter-Please provide conversion on date of statement. (received current 5/1 conversion) - Due Diligence Vendor-05/05/2025 <br> Ready for Review-Document Uploaded. - Seller-05/01/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Conversion for xxxxxx not provided. - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. assets are actually in xxxxxx - Seller-05/07/2025 <br> Ready for Review-Document Uploaded. - Seller-05/01/2025 | Resolved-xxxxxx noted on statements. - Due Diligence Vendor-05/07/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.283; minimum DSCR 0.00.<br> LTV is less than guideline maximum - LTV 50% max 70%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834284 | xxxxxx C B A | Closed | xxxxxx | 2025-04-11 11:31 | 2025-05-07 16:28 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Vested entity documentation received. - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. - Seller-05/07/2025 <br> Counter-Received EIN-missing Operating Agreement, Good Standing and Articles of Incorporation for vesting entity. - Due Diligence Vendor-05/05/2025 <br> Ready for Review-Document Uploaded. - Seller-05/01/2025 <br> Open-The Business Entity Formation Document is Missing missing EIN# - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. - Seller-05/07/2025 <br> Ready for Review-Document Uploaded. - Seller-05/01/2025 | Resolved-Vested entity documentation received. - Due Diligence Vendor-05/07/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.283; minimum DSCR 0.00.<br> LTV is less than guideline maximum - LTV 50% max 70%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834291 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 834306 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 834348 | xxxxxx C B A | Closed | xxxxxx | 2025-04-18 09:36 | 2025-05-08 09:02 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved-Received variance letter for HOA control not transferred to unit owners, minimum units sold/conveyed, max DSCR financing (LTV). Subject is xxxxxx units combined as one with ingress/egress as noted by the appraiser between the xxxxxx units with no exterior entrance/exit for the xxxxxx unit therefore property is considered eligible. Finding is resolved. - Due Diligence Vendor-05/08/2025 <br> Counter-Documentation is insufficient-We would need verification from the appraiser that the xxxxxx unit does not have exterior access where indicated, or any area not pictured, in the below picture. Additionally, there are still other issues within this finding that need to be addressed before we are able to clear. See below #3 and 4 - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. these are not being used as xxxxxx different units - we already have a xxxxxx - Seller-05/02/2025 <br> Counter-Variance letter does not address the subject property being a xxxxxx. Overlays dated 2/7/2025 reflect a xxxxxx are not acceptable. - Due Diligence Vendor-05/02/2025 <br> Ready for Review-Document Uploaded. not required by the guidelines - Seller-04/29/2025 <br> Open-<br> xxxxxx project does not meet guidelines. xxxxxx. Pre-Sale requirements are not met per overlays. Subject phase is 25% sold and conveyed to the unit owners but guides and project is only at 45%. Guidelines require 50%. Unit owner's do not have the sole ownership interest in and rights to the use of the project's facilities per condo questionnaire Section V Question 3 as required. <br> - Due Diligence Vendor-04/18/2025 | Ready for Review-Document Uploaded. these are not being used as xxxxxx different units - we already have a xxxxxx - Seller-05/02/2025 <br> Ready for Review-Document Uploaded. not required by the guidelines - Seller-04/29/2025 | Resolved-Received variance letter for HOA control not transferred to unit owners, minimum units sold/conveyed, max DSCR financing (LTV). Subject is xxxxxx units combined as one with ingress/egress as noted by the appraiser between the xxxxxx units with no exterior entrance/exit for the xxxxxx unit therefore property is considered eligible. Finding is resolved. - Due Diligence Vendor-05/08/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 794; minimum score 700.<br> Months Reserves exceed minimum required - 19.87 months PITIA reserves; 2 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834348 | xxxxxx C B A | Closed | xxxxxx | 2025-04-18 09:34 | 2025-05-02 07:37 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Purchase contract addendum reflects the loan closed with the buyer as Alpheus. - Due Diligence Vendor-05/02/2025 <br> Ready for Review-Document Uploaded. - Seller-04/29/2025 <br> Open-Appraisal issues- Buyer name on appraisal does not match Note/Deed. xxxxxx and Contract reflects xxxxxx (purchasers on contract should match appraisal). - Due Diligence Vendor-04/18/2025 | Ready for Review-Document Uploaded. - Seller-04/29/2025 | Resolved-Purchase contract addendum reflects the loan closed with the buyer as xxxxxx. - Due Diligence Vendor-05/02/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 794; minimum score 700.<br> Months Reserves exceed minimum required - 19.87 months PITIA reserves; 2 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834348 | xxxxxx C B A | Closed | xxxxxx | 2025-04-18 10:15 | 2025-05-02 07:35 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project is ineligible | Waived-Lender variance letter provided allowing for subject project not being 100% complete, min of 10% of units being sold and max LTV of 70%. Waiver applied to non-material finding. xxxxxx addressed in other finding. - Due Diligence Vendor-05/02/2025 <br> Ready for Review-Document Uploaded. not required by the guidelines - Seller-04/29/2025 <br> Open-Condo project does not meet guidelines. <br> 1. There is a xxxxxx unit - neither of which are NOT acceptable per guidelines. <br> 2. Pre-Sale requirements are not met per overlays. Subject phase is 25% sold and conveyed to the unit owners but guides and project is only at 45%. Guidelines require 50%. <br> 3. Unit owner's do not have the sole ownership interest in and rights to the use of the project's facilities per condo questionnaire Section V Question 3 as required. - Due Diligence Vendor-04/18/2025 | Ready for Review-Document Uploaded. not required by the guidelines - Seller-04/29/2025 | Waived-Lender variance letter provided allowing for subject project not being 100% complete, min of 10% of units being sold and max LTV of 70%. Waiver applied to non-material finding. xxxxxx addressed in other finding. - Due Diligence Vendor-05/02/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 794; minimum score 700.<br> Months Reserves exceed minimum required - 19.87 months PITIA reserves; 2 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 834348 | xxxxxx C B A | Closed | xxxxxx | 2025-04-18 10:14 | 2025-04-18 11:58 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-04/18/2025 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% Lender exception for 75% LTV <br> Lender exception for 5 member LLC. - Due Diligence Vendor-04/18/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-04/18/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 794; minimum score 700.<br> Months Reserves exceed minimum required - 19.87 months PITIA reserves; 2 months reserves required. | 9 mos reserves | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 834375 | xxxxxx C A | Closed | xxxxxx | 2025-04-24 12:47 | 2025-05-05 15:20 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Page 987 of the loan file shows the borrower's social was cleared. - Due Diligence Vendor-05/05/2025 <br> Counter-Provide updated Fraud Report reflecting high and medium cleared. - Due Diligence Vendor-05/02/2025 <br> Ready for Review-Document Uploaded. borrower is a foreign national and has a very common name, borrower did not match on the day in the DOB - Seller-04/30/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per Fraud B1, xxxxxx with DOB xxxxxx has a valid xxxxxx SSN. Fraud reflects the name, xxxxxx, with the same DOB as the borrower. Borrower's bank statements also reflect the same name. xxxxxx, both with a DOB of xxxxxx, appear to be the same person. - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. borrower is a foreign national and has a very common name, borrower did not match on the day in the DOB - Seller-04/30/2025 | Resolved-Page 987 of the loan file shows the borrower's social was cleared. - Due Diligence Vendor-05/05/2025 | Months Reserves exceed minimum required - 6.31 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834383 | xxxxxx D A | Closed | xxxxxx | 2025-04-28 15:26 | 2025-05-01 17:19 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-LCA report with a score of 1 provided. - Due Diligence Vendor-05/01/2025 <br> Open-Additional valuation product has not been provided. Secondary Valuation or Additional Valuation has not been entered per securitization requirements. Missing copy of the secondary valuation to support value. - Due Diligence Vendor-04/30/2025 |  | Resolved-LCA report with a score of 1 provided. - Due Diligence Vendor-05/01/2025 | LTV is less than guideline maximum - LTV is 59.5% and max allowed is 70%<br> Qualifying FICO score is at least 20 points above minimum for program - Score is 799 and minimum score allowed is 640. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 834388 | xxxxxx C B A | Closed | xxxxxx | 2025-04-30 09:33 | 2025-04-30 11:33 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-04/30/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Lenders Exception for the following to Allow borrower who doesn't own a primary residence but does<br> own other investments vs guideline: Borrowers are required to own a primary residence. - Due Diligence Vendor-04/30/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-04/30/2025 | Months Reserves exceed minimum required - 9.33 months reserves exceed required 2 by 7.33 months<br> LTV is less than guideline maximum - LTV 57.14% is lower than maximum 75%<br> Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 738 is higher than the required 640 | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> DSCR > 1.3<br> Reserves exceed requirement by 2 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 834399 | xxxxxx C A | Closed | xxxxxx | 2025-04-22 10:02 | 2025-05-16 13:36 | Resolved | 1 - Information C A | Credit | Eligibility | Discrepancy between Condo Questionnaire and Appraisal | Resolved-HOA letter received clarifying the additional units and commercial space. - Due Diligence Vendor-05/16/2025 <br> Ready for Review-see other condition for the document - Seller-05/12/2025 <br> Open-Appraisal breakdown of units and if the developer is still in control does not match the questionnaire (should be updated after clarification of additional xxxxxx units are received) - Due Diligence Vendor-04/22/2025 | Ready for Review-see other condition for the document - Seller-05/12/2025 | Resolved-HOA letter received clarifying the additional units and commercial space. - Due Diligence Vendor-05/16/2025 | Months Reserves exceed minimum required - 21.76 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834399 | xxxxxx C A | Closed | xxxxxx | 2025-04-22 10:07 | 2025-05-16 13:29 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved-HOA letter received clarifying the xxxxxx. - Due Diligence Vendor-05/16/2025 <br> Ready for Review-Document Uploaded. - Seller-05/12/2025 <br> Open-Condo Insurance shows the project has insured a total of xxxxxx units comprised of xxxxxx residential units, xxxxxx rental units, and xxxxxx commercial units all under the same HOA. However, the questionnaire and appraisal have been completed without the consideration of the xxxxxx rental units and xxxxxx commercial units. Provide documentation to support the ability to exclude these units from overall project review AND that they meet xxxxxx Ineligible Project requirements for Commercial Space - Due Diligence Vendor-04/22/2025 | Ready for Review-Document Uploaded. - Seller-05/12/2025 | Resolved-HOA letter received clarifying the xxxxxx units and xxxxxx. - Due Diligence Vendor-05/16/2025 | Months Reserves exceed minimum required - 21.76 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834480 | xxxxxx C A B | Closed | xxxxxx | 2025-04-30 16:08 | 2025-05-06 10:33 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received revised preliminary title reflecting sufficient coverage. - Due Diligence Vendor-05/06/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than the Loan Amount. xxxxxx coverage insufficient. - Due Diligence Vendor-04/30/2025 |  | Resolved-Received revised preliminary title reflecting sufficient coverage. - Due Diligence Vendor-05/06/2025 | Qualifying DTI below maximum allowed - Max 50, actual 44%<br> Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 722 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834480 | xxxxxx C A B | Closed | xxxxxx | 2025-04-30 16:35 | 2025-05-06 10:32 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received updated Gap report. - Due Diligence Vendor-05/06/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-04/30/2025 |  | Resolved-Received updated Gap report. - Due Diligence Vendor-05/06/2025 | Qualifying DTI below maximum allowed - Max 50, actual 44%<br> Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 722 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834480 | xxxxxx C A B | Closed | xxxxxx | 2025-04-30 09:03 | 2025-05-01 11:41 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Loan is xxxxxx subprime compliant - Due Diligence Vendor-05/05/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 9.392% is within allowable threshold of APOR of 6.62% + 3.75% or 10.37%. - Due Diligence Vendor-04/30/2025 |  | Resolved-Loan is xxxxxx subprime compliant - Due Diligence Vendor-05/05/2025 | Qualifying DTI below maximum allowed - Max 50, actual 44%<br> Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 722 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834511 | xxxxxx D B C A | Closed | xxxxxx | 2025-05-09 09:48 | 2025-05-15 16:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received attestation that lender has no affiliates. Affiliated Business Disclosure is not required. - Due Diligence Vendor-05/15/2025 <br> Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt.<br> - Due Diligence Vendor-05/09/2025 |  | Resolved-Received attestation that lender has no affiliates. Affiliated Business Disclosure is not required. - Due Diligence Vendor-05/15/2025 | CLTV is less than guidelines maximum - CLTV = 80% - Max CLTV = 85%<br> Qualifying FICO score is at least 20 points above minimum for program - FICO = 767 Min FICO = 700 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834511 | xxxxxx D B C A | Closed | xxxxxx | 2025-05-13 11:47 | 2025-05-13 13:31 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-05/13/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $75000 Exception Approval in file – <br> 1. Loan Amount - xxxxxx – Min Loan Amount $75,000<br> - Due Diligence Vendor-05/13/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-05/13/2025 | CLTV is less than guidelines maximum - CLTV = 80% - Max CLTV = 85%<br> Qualifying FICO score is at least 20 points above minimum for program - FICO = 767 Min FICO = 700 | 1. Credit Score 30+ points > minimum required<br> 2. LTV/CLTV 10% or more below the maximum allowed under applicable guidelines | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 834544 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 834593 | xxxxxx C B A | Closed | xxxxxx | 2025-04-01 16:54 | 2025-04-01 16:55 | Waived | 2 - Non-Material C B | Property | Property | Flip or Rapid Resale of Property | Waived-Originator provided a waiver for the use of the appraised value, applied to non material finding with comp factors - Due Diligence Vendor-04/01/2025 <br> Open-Originator provided a waiver for the use of the appraised value, applied to non material finding with comp factors. Appraisal comparables are similar to subject property and support value along with low CU score of 1.7. - Due Diligence Vendor-04/01/2025 |  | Waived-Originator provided a waiver for the use of the appraised value, applied to non material finding with comp factors - Due Diligence Vendor-04/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 716 is higher than the required 680<br> On time mortgage history exceeds guideline requirement - 0x30x12 in the past 39 months | FICO 716<br> Years at Present Address 5<br> # of Months 0x30 payments 77 | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 834593 | xxxxxx C B A | Closed | xxxxxx | 2025-03-27 10:26 | 2025-04-01 16:52 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Received waiver to us the Appraised value. Please see new finding. Audited LTV of 75% is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-04/01/2025 <br> Ready for Review-Document Uploaded. Exception granted by management to use the appraisal value, please clear condition. - Seller-03/31/2025 <br> Open-Audited LTV of 120.75% exceeds Guideline LTV of 75% Subject purchased xxxxxx Took out a loan for xxxxxx; s/p was xxxxxx; Documented cost of improvements = $70,400 = Total adjusted prior purchase price of xxxxxx<br> 1. Per guidelines: For all InvestorX refinances (rate/term and cash out) for a property purchased < 12 months ago: <br> • use acquisition cost plus documented improvements.<br> • Any transaction that provides cash out in excess of the actual borrower outlay will require Management approval<br> 2. Per lender approval letter: Please provide an itemized list of improvements, receipts/invoices (MISSING) of improvements if available, and before photos (MISSING) of subject property. This is due to property purchased within 12 months and large value increase since acquisition. Final lending value to be determined by Sr. Management after receipt. (MISSING)<br> - Value will be the lesser of the appraised value or purchase price plus documented cost of renovations - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. Exception granted by management to use the appraisal value, please clear condition. - Seller-03/31/2025 | Resolved-Received waiver to us the Appraised value. Please see new finding. Audited LTV of 75% is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-04/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 716 is higher than the required 680<br> On time mortgage history exceeds guideline requirement - 0x30x12 in the past 39 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834593 | xxxxxx C B A | Closed | xxxxxx | 2025-03-27 10:20 | 2025-04-01 16:52 | Resolved | 1 - Information C A | Credit | Closing | Remaining Equity is less than $40,000 which does not meet guideline requirement | Resolved-Remaining equity is greater than $40,000. - Due Diligence Vendor-04/01/2025 <br> Ready for Review-Document Uploaded. Exception granted by management to use the appraisal value, please clear condition. - Seller-03/31/2025 <br> Open-Remaining equity is less than $40,000 which does not meet guideline requirement. - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. Exception granted by management to use the appraisal value, please clear condition. - Seller-03/31/2025 | Resolved-Remaining equity is greater than $40,000. - Due Diligence Vendor-04/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 716 is higher than the required 680<br> On time mortgage history exceeds guideline requirement - 0x30x12 in the past 39 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834610 | xxxxxx D B A | Closed | xxxxxx | 2024-11-15 13:19 | 2025-07-10 14:12 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-xxxxxx Insurance is covering the lawsuit. Investor allows - Due Diligence Vendor-07/10/2025 <br> Ready for Review-Document Uploaded. Please find the exception for review. - Seller-11/19/2024 <br> Open-Pending condo litigation requires exception. - Due Diligence Vendor-11/15/2024 | Ready for Review-Document Uploaded. Please find the exception for review. - Seller-11/19/2024 | Resolved-xxxxxx Insurance is covering the lawsuit. Investor allows - Due Diligence Vendor-07/10/2025 | Months Reserves exceed minimum required - 24 months reserves, 6 months required<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 791 is higher than the required 700 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834610 | xxxxxx D B A | Closed | xxxxxx | 2024-11-15 11:11 | 2024-11-21 17:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Closing Detail Statement received. Conditions resolved. - Due Diligence Vendor-11/21/2024 <br> Ready for Review-final closing statement has been uploaded. please review. - Seller-11/20/2024 <br> Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Provide the Final CD - Due Diligence Vendor-11/15/2024 | Ready for Review-final closing statement has been uploaded. please review. - Seller-11/20/2024 | Resolved-Closing Detail Statement received. Conditions resolved. - Due Diligence Vendor-11/21/2024 | Months Reserves exceed minimum required - 24 months reserves, 6 months required<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 791 is higher than the required 700 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834610 | xxxxxx D B A | Closed | xxxxxx | 2024-11-15 10:59 | 2024-11-15 13:24 | Waived | 2 - Non-Material B | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Waived-791 Fico, 700 Required. 24 months reserves, 6 required. - Due Diligence Vendor-11/15/2024 <br> Waived-Originator waiver applied to non material finding with comp factors - Due Diligence Vendor-11/15/2024 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Provide the required HOA Questionnaire Document - Due Diligence Vendor-11/15/2024 |  | Waived-791 Fico, 700 Required. 24 months reserves, 6 required. - Due Diligence Vendor-11/15/2024 <br> Waived-Originator waiver applied to non material finding with comp factors - Due Diligence Vendor-11/15/2024 | Months Reserves exceed minimum required - 24 months reserves, 6 months required<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 791 is higher than the required 700 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 834644 | xxxxxx D B A | Closed | xxxxxx | 2025-04-16 09:46 | 2025-05-19 10:31 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received 1008 - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Document Uploaded. - Seller-04/23/2025 <br> Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. - Seller-04/23/2025 | Resolved-Received 1008 - Due Diligence Vendor-04/25/2025 | Qualifying FICO score is at least 20 points above minimum for program - 797 FICO exceeds 700 minimum required.<br> LTV is less than guideline maximum - 45.35% LTV is below max of 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834644 | xxxxxx D B A | Closed | xxxxxx | 2025-04-16 09:21 | 2025-05-14 14:12 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Property has an ADU with a xxxxxx, which is considered a xxxxxx per xxxxxx and acceptable. No rental income was used for qualifying. - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Property is a xxxxxx and meets the specifications for the state of xxxxxx. - Seller-05/02/2025 <br> Counter-Property must meet minimum standards. Finding remains: Property Issues are identified for the property Appraisal identifies subject with an ADU, but the ADU does not have a fully functioning xxxxxx as required per guidelines. PDF 411 shows a picture of ADU xxxxxx. Additional findings may apply. - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Loan is a closed-end second mortgage of a primary residence. No income is being used for the ADU. - Seller-04/29/2025 <br> Open-Property Issues are identified for the property Appraisal identifies subject with an ADU, but the ADU does not have a fully functioning xxxxxx as required per guidelines. PDF 411 shows a picture of ADU xxxxxx. Additional findings may apply. - Due Diligence Vendor-04/16/2025 | Ready for Review-Property is a xxxxxx and meets the specifications for the state of xxxxxx. - Seller-05/02/2025 <br> Ready for Review-Loan is a closed-end second mortgage of a primary residence. No income is being used for the ADU. - Seller-04/29/2025 | Resolved-Property has an ADU with a xxxxxx, which is considered a xxxxxx per xxxxxx and acceptable. No rental income was used for qualifying. - Due Diligence Vendor-05/14/2025 | Qualifying FICO score is at least 20 points above minimum for program - 797 FICO exceeds 700 minimum required.<br> LTV is less than guideline maximum - 45.35% LTV is below max of 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834644 | xxxxxx D B A | Closed | xxxxxx | 2025-04-16 08:44 | 2025-05-05 17:12 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-The request for an exception to Client Eligibility criteria is granted. - Due Diligence Vendor-05/05/2025 <br> Ready for Review-Document Uploaded. Please see attached approved request from Client. - Seller-05/02/2025 <br> Counter-Please re upload both in PDF format unable to open. - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. Requested exception from investor. Approved today. Please see attached email communications and exception request approved. - Seller-04/29/2025 <br> Open-Per guidelines, transaction ineligible for cash out if property has been listed for sale in the past six (6) months. Per appraisal, subject was listed xxxxxx and listing withdrawn on xxxxxx.<br> - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. Please see attached approved request from Client. - Seller-05/02/2025 <br> Ready for Review-Document Uploaded. Requested exception from investor. Approved today. Please see attached email communications and exception request approved. - Seller-04/29/2025 | Waived-The request for an exception to Client Eligibility criteria is granted. - Due Diligence Vendor-05/05/2025 | Qualifying FICO score is at least 20 points above minimum for program - 797 FICO exceeds 700 minimum required.<br> LTV is less than guideline maximum - 45.35% LTV is below max of 80% | Borrower has owned property for 15 years<br> 797 FICO Score<br> Same employer for 40 years. | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 834644 | xxxxxx D B A | Closed | xxxxxx | 2025-04-16 09:23 | 2025-05-01 16:57 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received corrected 1003 - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-04/29/2025 <br> Counter-Please provide a Post revised 1003. - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Document Uploaded. Borrower was confused. Did not include other property owned since sister makes all the payments. Did not include subject property in section 3 because thought inclusion in section 4 would suffice. Please advise how to proceed. - Seller-04/24/2025 <br> Open-Missing 1003 including all REO. Credit report notes 2 properties owned, but the 1003 does not disclose any properties, not even the subject. - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-04/29/2025 <br> Ready for Review-Document Uploaded. Borrower was confused. Did not include other property owned since sister makes all the payments. Did not include subject property in section 3 because thought inclusion in section 4 would suffice. Please advise how to proceed. - Seller-04/24/2025 | Resolved-Received corrected 1003 - Due Diligence Vendor-05/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - 797 FICO exceeds 700 minimum required.<br> LTV is less than guideline maximum - 45.35% LTV is below max of 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834644 | xxxxxx D B A | Closed | xxxxxx | 2025-04-16 09:05 | 2025-04-25 17:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Upon further review, the loan file contains sufficient documentation to support sister pays. Account number on the credit report and Mortgage statement match. - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Document Uploaded. Not included in 1003 because borrower did not think it needed to be included since sister pays the mortgage. Does this suffice? If not, please advise on how to proceed. - Seller-04/23/2025 <br> Open-Missing LOX for 2nd property owned noted by mortgage tradeline on credit report (PDF 205). No REO reported on 1003. File includes 12 months bank statements for a 3rd party noting payments to the institutions but the payments do not match the credit report or mortgage statement payment. Additional findings may apply and debt may be required to included in total debt and DTI recalculated. - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. Not included in 1003 because borrower did not think it needed to be included since sister pays the mortgage. Does this suffice? If not, please advise on how to proceed. - Seller-04/23/2025 | Resolved-Upon further review, the loan file contains sufficient documentation to support sister pays. Account number on the credit report and Mortgage statement match. - Due Diligence Vendor-04/25/2025 | Qualifying FICO score is at least 20 points above minimum for program - 797 FICO exceeds 700 minimum required.<br> LTV is less than guideline maximum - 45.35% LTV is below max of 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834644 | xxxxxx D B A | Closed | xxxxxx | 2025-04-16 08:25 | 2025-04-25 17:25 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-Upon further review, the subject property has an ADU which explains the Fair Rental Value. - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Property is not a rental property, this is borrower's primary residence. Can this be waived since this isn't the primary insurance policy, only the xxxxxx? - Seller-04/23/2025 <br> Open-HOI policy (PDF 361) includes coverage for fair rental value, and transaction is for primary residence. - Due Diligence Vendor-04/16/2025 | Ready for Review-Property is not a rental property, this is borrower's primary residence. Can this be waived since this isn't the primary insurance policy, only the xxxxxx coverage? - Seller-04/23/2025 | Resolved-Upon further review, the subject property has an ADU which explains the Fair Rental Value. - Due Diligence Vendor-04/25/2025 | Qualifying FICO score is at least 20 points above minimum for program - 797 FICO exceeds 700 minimum required.<br> LTV is less than guideline maximum - 45.35% LTV is below max of 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834644 | xxxxxx D B A | Closed | xxxxxx | 2025-04-16 07:52 | 2025-04-25 17:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received WVOE dated within 10 days. - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Document Uploaded. - Seller-04/24/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing a verbal VOE dated no more than 10 calendar days prior to Note date and including all information required per guidelines. - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. - Seller-04/24/2025 | Resolved-Received WVOE dated within 10 days. - Due Diligence Vendor-04/25/2025 | Qualifying FICO score is at least 20 points above minimum for program - 797 FICO exceeds 700 minimum required.<br> LTV is less than guideline maximum - 45.35% LTV is below max of 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834644 | xxxxxx D B A | Closed | xxxxxx | 2025-04-16 09:06 | 2025-04-25 17:18 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Gap report confirming the payments. - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Document Uploaded. - Seller-04/24/2025 <br> Open-Housing History Does Not Meet Guideline Requirements 1. Missing verification of 01/2025 and 02/2025 payments for primary mortgage. Date last active on credit report is 12/01/2024 and file included evidence of 03/2025 payment.<br> 2. Missing verification of 01/2025, 02/2025 and 03/2025 payments for mortgage for other property noted on credit report. - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. - Seller-04/24/2025 | Resolved-Received Gap report confirming the payments. - Due Diligence Vendor-04/25/2025 | Qualifying FICO score is at least 20 points above minimum for program - 797 FICO exceeds 700 minimum required.<br> LTV is less than guideline maximum - 45.35% LTV is below max of 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834644 | xxxxxx D B A | Closed | xxxxxx | 2025-04-16 09:06 | 2025-04-25 17:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Document Uploaded. - Seller-04/24/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. - Seller-04/24/2025 | Resolved-Received Gap Report. - Due Diligence Vendor-04/25/2025 | Qualifying FICO score is at least 20 points above minimum for program - 797 FICO exceeds 700 minimum required.<br> LTV is less than guideline maximum - 45.35% LTV is below max of 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834644 | xxxxxx D B A | Closed | xxxxxx | 2025-04-15 06:39 | 2025-04-15 07:31 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/15/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/15/2025 | Qualifying FICO score is at least 20 points above minimum for program - 797 FICO exceeds 700 minimum required.<br> LTV is less than guideline maximum - 45.35% LTV is below max of 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 834645 | xxxxxx D A | Closed | xxxxxx | 2025-05-05 14:06 | 2025-05-09 10:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received tax calculation. - Due Diligence Vendor-05/09/2025 <br> Counter-Documentation received insufficient. Provide property tax cert. - Due Diligence Vendor-05/08/2025 <br> Open-Missing Evidence of Property Tax Unable to determine lender qualifying figure based on info provided. - Due Diligence Vendor-05/06/2025 |  | Resolved-Received tax calculation. - Due Diligence Vendor-05/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 779 and minimum allowed is 720<br> LTV is less than guideline maximum - LTV is 53.48% and max allowed is 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834645 | xxxxxx D A | Closed | xxxxxx | 2025-05-05 14:47 | 2025-05-08 10:54 | Resolved | 1 - Information B A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-05/08/2025 <br> Open-Borrower 1 Gap Credit Report is Missing . - Due Diligence Vendor-05/06/2025 |  | Resolved-Received UDM - Due Diligence Vendor-05/08/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 779 and minimum allowed is 720<br> LTV is less than guideline maximum - LTV is 53.48% and max allowed is 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834816 | xxxxxx C A | Closed | xxxxxx | 2025-04-16 15:11 | 2025-04-22 10:16 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Final Title w/sufficient coverage. - Due Diligence Vendor-04/22/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-04/21/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Insufficient Title Coverage. Amount of coverage is not listed on the Title Policy. - Due Diligence Vendor-04/16/2025 |  | Resolved-Received Final Title w/sufficient coverage. - Due Diligence Vendor-04/22/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 763; guidelines require 700. <br> LTV is less than guideline maximum - LTV 65% LTV. Allowed 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834816 | xxxxxx C A | Closed | xxxxxx | 2025-04-16 15:49 | 2025-04-18 10:20 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared within 120 days of Note | Resolved--Appraisal completed post-disaster; nothing additional required by guidelines. - Due Diligence Vendor-04/18/2025 <br> Open-xxxxxx<br> Incident Period: xxxxxx - Due Diligence Vendor-04/16/2025 |  | Resolved--Appraisal completed post-disaster; nothing additional required by guidelines. - Due Diligence Vendor-04/18/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 763; guidelines require 700. <br> LTV is less than guideline maximum - LTV 65% LTV. Allowed 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834865 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 834903 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 834914 | xxxxxx D A | Closed | xxxxxx | 2025-05-21 18:24 | 2025-05-29 10:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-05/29/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Borrower 1 and B2 Gap Credit Report is Missing - Due Diligence Vendor-05/21/2025 |  | Resolved-Received UDM. - Due Diligence Vendor-05/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 811<br> Months Reserves exceed minimum required - No reserves required. Borrowers have 34.06 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834914 | xxxxxx D A | Closed | xxxxxx | 2025-05-20 11:32 | 2025-05-29 10:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received attestation that lender has no affiliates. - Due Diligence Vendor-05/29/2025 <br> Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt.<br> - Due Diligence Vendor-05/20/2025 |  | Resolved-Received attestation that lender has no affiliates. - Due Diligence Vendor-05/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 811<br> Months Reserves exceed minimum required - No reserves required. Borrowers have 34.06 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834937 | xxxxxx C A | Closed | xxxxxx | 2025-04-21 15:31 | 2025-04-23 15:52 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD with correct disbursement date - Due Diligence Vendor-04/23/2025 <br> Ready for Review-Document Uploaded. ATTACHED IS THE PCCD3 (LOAN WAS FUNDED ON xxxxxx) - Seller-04/23/2025 <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. ...Provide PCCD with disbursement date after ROR expiration date. - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. ATTACHED IS THE PCCD3 (LOAN WAS FUNDED ON xxxxxx) - Seller-04/23/2025 | Resolved-Received PCCD with correct disbursement date - Due Diligence Vendor-04/23/2025 | Months Reserves exceed minimum required - 79 months PITIA reserves; 0 months reserves required.<br> Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 820; minimum required 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834937 | xxxxxx C A | Closed | xxxxxx | 2025-04-23 14:56 | 2025-04-23 15:38 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared within 120 days of Note | Resolved-Received updated appraisal with commentary stating no damage to subject property for stated FEMA disaster(s) - Due Diligence Vendor-04/23/2025 <br> Ready for Review-Document Uploaded. - Seller-04/23/2025 <br> Open-xxxxxx-Incident Period: xxxxxx-Major Disaster Declaration declared on xxxxxx\*\*\*\*The appraiser must comment on the adverse event and certify that there has been no change in the valuation. - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. - Seller-04/23/2025 | Resolved-Received updated appraisal with commentary stating no damage to subject property for stated FEMA disaster(s) - Due Diligence Vendor-04/23/2025 | Months Reserves exceed minimum required - 79 months PITIA reserves; 0 months reserves required.<br> Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 820; minimum required 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834943 | xxxxxx C A | Closed | xxxxxx | 2025-05-02 10:09 | 2025-05-09 11:14 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received sufficient documentation to support no lates. - Due Diligence Vendor-05/09/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-05/07/2025 <br> Counter-Received Statement for account number xxxxxx, however we are missing the February payment for account number xxxxxx. - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-05/02/2025 <br> Open-Housing History Does Not Meet Guideline Requirements- Missing mortgage payment being made 2/25 for primary residence. - Due Diligence Vendor-05/02/2025 |  | Resolved-Received sufficient documentation to support no lates. - Due Diligence Vendor-05/09/2025 | Months Reserves exceed minimum required - 211.75 months PITIA reserves; 0 months reserves required.<br> Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 696; minimum score 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834978 | xxxxxx C A | Closed | xxxxxx | 2025-04-18 15:20 | 2025-04-24 11:20 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National but ACH form is not in file | Resolved-Received ACH - Due Diligence Vendor-04/24/2025 <br> Open-Foreign National but the ACH form is Missing from file. - Due Diligence Vendor-04/18/2025 |  | Resolved-Received ACH - Due Diligence Vendor-04/24/2025 | Months Reserves exceed minimum required - 14.01mos reserves. Per guides, no reserves required.<br> LTV is less than guideline maximum - Borr LTV 60%. Per guides, maximum LTV 75%.<br> DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.01. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835040 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 835042 | xxxxxx C B A | Closed | xxxxxx | 2025-03-28 15:35 | 2025-04-01 16:53 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Originator provided a waiver for loan amount xxxxxx applied to non material finding with comp factors - Due Diligence Vendor-04/01/2025 <br> Ready for Review-Please see attached approved exception. - Seller-03/31/2025 <br> Open-Audited Loan Amount is greater than the Guideline Maximum Loan Amount of $3000000 Maximum loan amount per program is $3,000,000 regardless of LTV or documentation type. - Due Diligence Vendor-03/28/2025 | Ready for Review-Please see attached approved exception. - Seller-03/31/2025 | Waived-Originator provided a waiver for loan amount xxxxxx applied to non material finding with comp factors - Due Diligence Vendor-04/01/2025 | Verified employment history exceeds guidelines - 8 years in primary business, 17 years in industry<br> Months Reserves exceed minimum required - 30 months reserves documented, 9 months required | 20 months reserves verified>9 months required; mortgage history 0x30 for 24+ months; 4+ years self employment verified. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 835042 | xxxxxx C B A | Closed | xxxxxx | 2025-03-28 15:35 | 2025-04-01 16:52 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Originator provided a waiver 675 FICO applied to non material finding with comp factors - Due Diligence Vendor-04/01/2025 <br> Ready for Review-Document Uploaded. Please see attached approved exception. - Seller-03/31/2025 <br> Open-Audited FICO of 675 is less than Guideline FICO of 680 Minimum 680 fico for loan amounts > $2MM - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. Please see attached approved exception. - Seller-03/31/2025 | Waived-Originator provided a waiver 675 FICO applied to non material finding with comp factors - Due Diligence Vendor-04/01/2025 | Verified employment history exceeds guidelines - 8 years in primary business, 17 years in industry<br> Months Reserves exceed minimum required - 30 months reserves documented, 9 months required | 20 months reserves >9 months required; 0x30 mortgage history 24+ months; 4+ years verified self employment. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 835055 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 835059 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 835067 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 835077 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 835087 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 835104 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 835133 | xxxxxx D A | Closed | xxxxxx | 2025-04-28 12:46 | 2025-05-14 10:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received Settlement Statement. - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. 5/12/25 - please see attached Final - Buyer-05/13/2025 <br> Counter-Disbursement Summary provided, however we are missing the Final Settlement Statement. - Due Diligence Vendor-05/08/2025 <br> Open-Closing Detail Statement Document is Missing and subject property is an Investment property. no date of execution - Due Diligence Vendor-04/28/2025 |  | Resolved-Received Settlement Statement. - Due Diligence Vendor-05/14/2025 | Qualifying FICO score is at least 20 points above minimum for program - 769 Fico score is 20+ points above 700 minimum<br> Months Reserves exceed minimum required - 97 months reserves exceed 2 month minimum |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835133 | xxxxxx D A | Closed | xxxxxx | 2025-04-28 12:44 | 2025-05-06 16:24 | Resolved | 1 - Information C A | Credit | Eligibility | Escrow waiver guidelines were not met | Resolved-escrow waiver disclosure not needed on investment properties. - Due Diligence Vendor-05/06/2025 <br> Open-missing waiver - Due Diligence Vendor-04/28/2025 |  | Resolved-escrow waiver disclosure not needed on investment properties. - Due Diligence Vendor-05/06/2025 | Qualifying FICO score is at least 20 points above minimum for program - 769 Fico score is 20+ points above 700 minimum<br> Months Reserves exceed minimum required - 97 months reserves exceed 2 month minimum |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835133 | xxxxxx D A | Closed | xxxxxx | 2025-04-29 12:06 | 2025-05-05 09:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-The guidelines do not require a cash out letter. Business purpose affidavit indicates the cash out is for investment purposes. - Due Diligence Vendor-05/05/2025 <br> Counter-Business Purpose cert provided, however the guidelines require an LOE for the cash out. - Due Diligence Vendor-05/02/2025 <br> Open-Missing letter of explanation for cash out - Due Diligence Vendor-04/29/2025 |  | Resolved-The guidelines do not require a cash out letter. Business purpose affidavit indicates the cash out is for investment purposes. - Due Diligence Vendor-05/05/2025 | Qualifying FICO score is at least 20 points above minimum for program - 769 Fico score is 20+ points above 700 minimum<br> Months Reserves exceed minimum required - 97 months reserves exceed 2 month minimum |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835156 | xxxxxx C A | Closed | xxxxxx | 2025-05-16 04:16 | 2025-05-28 09:21 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received final title policy confirming sufficient coverage. - Due Diligence Vendor-05/28/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-05/27/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than the Loan Amount. - Due Diligence Vendor-05/16/2025 |  | Resolved-Received final title policy confirming sufficient coverage. - Due Diligence Vendor-05/28/2025 | CLTV is less than guidelines maximum - Max 75%, actual 69%.<br> Qualifying FICO score is at least 20 points above minimum for program - Min 680, actual 791. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835156 | xxxxxx C A | Closed | xxxxxx | 2025-05-16 04:47 | 2025-05-16 13:00 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Gap report provided dated 5/8/25. - Due Diligence Vendor-05/16/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-05/16/2025 |  | Resolved-Gap report provided dated 5/8/25. - Due Diligence Vendor-05/16/2025 | CLTV is less than guidelines maximum - Max 75%, actual 69%.<br> Qualifying FICO score is at least 20 points above minimum for program - Min 680, actual 791. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835163 | xxxxxx C B A | Closed | xxxxxx | 2025-04-28 13:11 | 2025-05-12 11:13 | Resolved | 1 - Information C A | Credit | Eligibility | Builder in Control of the HOA | Resolved-Received revised appraisal. - Due Diligence Vendor-05/12/2025 <br> Open-Builder is in control of HOA APPRAISAL INDICATED DEVELOPER/BUILDER IN CONTROL OF SUBJECT CONDO PROJECT HOA. PER GUIDES PG140: HOA must be conveyed to the unit owners – no developer or builder-controlled projects allowed. - Due Diligence Vendor-04/28/2025 |  | Resolved-Received revised appraisal. - Due Diligence Vendor-05/12/2025 | Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 745. Per guides, minimum score required 660.<br> Months Reserves exceed minimum required - 76.29mos reserves. Per guides, 2 reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835163 | xxxxxx C B A | Closed | xxxxxx | 2025-04-29 09:40 | 2025-04-29 09:41 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Investor concentration of 61.40% > max allowed of 60% 37.71% of units are 60 day delinquent > max allowed of 20%<br> Client exception granted and in file. Waiver applied with compensating factors. Exception deemed non-material due to non ATR affecting. - Due Diligence Vendor-04/29/2025 |  | Waived-Investor concentration of 61.40% > max allowed of 60% 37.71% of units are 60 day delinquent > max allowed of 20%<br> Client exception granted and in file. Waiver applied with compensating factors. Exception deemed non-material due to non ATR affecting. - Due Diligence Vendor-04/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 745. Per guides, minimum score required 660.<br> Months Reserves exceed minimum required - 76.29mos reserves. Per guides, 2 reserves required. | Score is 20 points or higher than min required. <br> Reserves exceed min required<br> Experienced investor. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 835192 | xxxxxx C A | Closed | xxxxxx | 2025-04-29 16:31 | 2025-05-07 10:55 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National but ACH form is not in file | Resolved-Received ACH - Due Diligence Vendor-05/07/2025 <br> Open-Foreign National but the ACH form is Missing from file. SUBJECT FOREIGN NATIONAL DSCR LOAN. PER GUIDES PG11: Automatic Payment Authorization (ACH) Form is required for all foreign national borrowers. - Due Diligence Vendor-04/29/2025 |  | Resolved-Received ACH - Due Diligence Vendor-05/07/2025 | Months Reserves exceed minimum required - 4.68mos reserves. Per guides, no reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835217 | xxxxxx D A | Closed | xxxxxx | 2025-04-29 17:03 | 2025-05-07 10:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing an established escrow impound account for taxes and insurance. | Resolved-The loan is escrowed per the HUD. - Due Diligence Vendor-05/07/2025 <br> Open-summary indicates escrow in tax and insurance - Due Diligence Vendor-04/29/2025 |  | Resolved-The loan is escrowed per the HUD. - Due Diligence Vendor-05/07/2025 | Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 685. Per guides, minimum score required 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835226 | xxxxxx C B A | Closed | xxxxxx | 2025-05-05 15:01 | 2025-05-05 15:41 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-05/05/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Allow Borrower who Does not own Primary residence. Living rent free (lives in house mother owns) VS Gl: Borrowers should own a primary residence. Borrowers who do not own a primary residence may be eligible by exception.<br> - Due Diligence Vendor-05/05/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-05/05/2025<br>| LTV is less than guideline maximum - LTV 60% LTV. Allowed 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 674; guidelines require 640. | -LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> - Credit Score 30+ points > minimum required<br> - Reserves exceed requirement by 10 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 835230 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 835235 | xxxxxx C A | Closed | xxxxxx | 2025-04-30 13:41 | 2025-05-05 15:38 | Resolved | 1 - Information C A | Credit | Eligibility | FEMA disaster declared within 120 days of Note (Credit) | Resolved-comment on page 21 of the loan file. - Due Diligence Vendor-05/05/2025 <br> Open-xxxxxx and xxxxxx<br> Incident Period: xxxxxx<br> - Due Diligence Vendor-04/30/2025 |  | Resolved-comment on page 21 of the loan file. - Due Diligence Vendor-05/05/2025<br>| LTV is less than guideline maximum - LTV 50% LTV. Allowed 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 739; guidelines require 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835239 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 835245 | xxxxxx D B A | Closed | xxxxxx | 2025-04-15 15:27 | 2025-04-28 11:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received complete PITIA validation. - Due Diligence Vendor-04/28/2025 <br> Counter-Missing 1st lien mortgage statement (received 2nd, re taxes, HOI and confirmation no HOA). - Due Diligence Vendor-04/22/2025 <br> Open-Missing verification of taxes, insurance, and/or HOA fees for property xxxxxx - Due Diligence Vendor-04/16/2025 |  | Resolved-Received complete PITIA validation. - Due Diligence Vendor-04/28/2025<br>| Qualifying DTI below maximum allowed - 4.95% DTI is below 50% maximum allowed<br>Qualifying FICO score is at least 20 points above minimum for program - 813 FICO score is 20+ points above 740 minimum |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835245 | xxxxxx D B A | Closed | xxxxxx | 2025-04-24 10:56 | 2025-04-24 11:03 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Previously addressed with waiver - Due Diligence Vendor-04/24/2025 <br>Open-\*New\* Transaction is a second home 2nd lien. - Due Diligence Vendor-04/24/2025 |  | Resolved-Previously addressed with waiver - Due Diligence Vendor-04/24/2025<br>| Qualifying DTI below maximum allowed - 4.95% DTI is below 50% maximum allowed<br>Qualifying FICO score is at least 20 points above minimum for program - 813 FICO score is 20+ points above 740 minimum |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835245 | xxxxxx D B A | Closed | xxxxxx | 2025-04-15 15:19 | 2025-04-24 10:59 | Resolved | 1 - Information C A | Credit | Eligibility | Missing First Mtg Note | Resolved-Received 1st lien Note. - Due Diligence Vendor-04/24/2025 <br>Counter-Received mortgage statement-please provide 1st lien Note - Due Diligence Vendor-04/18/2025 <br>Open-Missing First Mtg Note - Due Diligence Vendor-04/15/2025 |  | Resolved-Received 1st lien Note. - Due Diligence Vendor-04/24/2025<br>| Qualifying DTI below maximum allowed - 4.95% DTI is below 50% maximum allowed<br>Qualifying FICO score is at least 20 points above minimum for program - 813 FICO score is 20+ points above 740 minimum |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835245 | xxxxxx D B A | Closed | xxxxxx | 2025-04-15 15:20 | 2025-04-18 11:13 | Resolved | 1 - Information C A | Credit | Eligibility | Missing or incomplete documentation for xxxxxx | Resolved-Received xxxxxx lease on subject. - Due Diligence Vendor-04/18/2025 <br> Open-Missing documentation for xxxxxx - leased - Due Diligence Vendor-04/15/2025 |  | Resolved-Received xxxxxx lease on subject. - Due Diligence Vendor-04/18/2025 | Qualifying DTI below maximum allowed - 4.95% DTI is below 50% maximum allowed<br>Qualifying FICO score is at least 20 points above minimum for program - 813 FICO score is 20+ points above 740 minimum |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835245 | xxxxxx D B A | Closed | xxxxxx | 2025-04-16 10:41 | 2025-04-16 10:45 | Waived | 2 - Non-Material C B | Credit | Eligibility | Occupancy Not Allowed | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow. Borrower did not claim any rents, and occupies both properties for a portion of the year. The property is suitable for year-round occupancy hence meeting all requirements of second home definition. - Due Diligence Vendor-04/16/2025 <br> Open-EXCEPTION in file: Borrower is trying to get the equity out with closed end second program for 2 properties. Both properties are currently occupied by borrower's parents (biological parents and parents in-law), claiming the occupancy as second home. - Due Diligence Vendor-04/16/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow. Borrower did not claim any rents, and occupies both properties for a portion of the year. The property is suitable for year-round occupancy hence meeting all requirements of second home definition. - Due Diligence Vendor-04/16/2025 | Qualifying DTI below maximum allowed - 4.95% DTI is below 50% maximum allowed<br>Qualifying FICO score is at least 20 points above minimum for program - 813 FICO score is 20+ points above 740 minimum | Credit Score 30+ points > minimum required<br> Subject property home ownership > 2 years<br> DTI <= 36% which is below requirement in guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 835265 | xxxxxx D A | Closed | xxxxxx | 2025-04-24 08:28 | 2025-04-29 10:41 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Proof provided to clear Sam search on xxxxxx. - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. The SAM.GOV search provided reflects us putting in the name xxxxxx - which is the xxxxxx name - when that is done the name xxxxxx in xxxxxx comes up as a hit and not our borrower. I have provided additional verification of our xxxxxx - xxxxxx - not hits for her name - I have also provided a copy of her site so you can see she is not xxxxxx that appears on Sam/Gov. - Seller-04/29/2025 <br> Counter-Documentation received is not sufficient. Provide clearance through SAM of RE Agent. Validate address and/or middle name with copy of license or other acceptable documentation. - Due Diligence Vendor-04/28/2025 <br> Ready for Review-Document Uploaded. - Seller-04/24/2025 <br> Open-Fraud Report Shows Uncleared Alerts Missing evidence that high alert for possible SAM match for listing agent xxxxxx was cleared. Although SAM.gov search provided, the name of xxxxxx did not match the name input in Fraud report - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. The SAM.GOV search provided reflects us putting in the name xxxxxx - which is the xxxxxx name - when that is done the name xxxxxx in xxxxxx comes up as a hit and not our borrower. I have provided additional verification of our xxxxxx - xxxxxx - not hits for her name - I have also provided a copy of her site so you can see she is not xxxxxx that appears on Sam/Gov. - Seller-04/29/2025 <br> Ready for Review-Document Uploaded. - Seller-04/24/2025 | Open-EXCEPTION in file: Borrower is trying to get the equity out with closed end second program for 2 properties. Both properties are currently occupied by borrower's parents (biological parents and parents in-law), claiming the occupancy as second home. - Due Diligence Vendor-04/16/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying Score 775; minimum score 680.<br>LTV is less than guideline maximum - LTV 65% max 75%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835265 | xxxxxx D A | Closed | xxxxxx | 2025-04-24 08:10 | 2025-04-28 15:39 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-04/28/2025 <br>Ready for Review-Document Uploaded. - Seller-04/25/2025 <br>Open-The borrower is required to execute a Borrower Certification of Business Purpose and an Occupancy Certification - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. - Seller-04/25/2025 | Resolved-Received business purpose affidavit. - Due Diligence Vendor-04/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying Score 775; minimum score 680.<br>LTV is less than guideline maximum - LTV 65% max 75%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835279 | xxxxxx B A | Closed | xxxxxx | 2025-05-02 17:54 | 2025-05-02 17:54 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/09/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/09/2025<br>| Qualifying DTI below maximum allowed - The calculated DTI is 39.27%, maximum allowed per the guidelines is 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 774, guideline minimum is 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 835322 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 835340 | xxxxxx D A | Closed | xxxxxx | 2025-05-15 12:44 | 2025-05-20 11:00 | Resolved | 1 - Information C A | Credit | Closing | Prepayment Penalty Issue | Resolved-Received prepay addendum to Note. - Due Diligence Vendor-05/20/2025 <br>Open-Missing Prepayment Addendum to Note. Additionally, findings may apply upon receipt. - Due Diligence Vendor-05/15/2025 |  | Resolved-Received prepay addendum to Note. - Due Diligence Vendor-05/20/2025<br>| Long term residence - 9 Years. <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 793; guidelines require 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835340 | xxxxxx D A | Closed | xxxxxx | 2025-05-15 12:44 | 2025-05-20 10:59 | 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-05/20/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Missing Business Purpose Affidavit Disclosure. - Due Diligence Vendor-05/15/2025 |  | Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-05/20/2025<br>| Long term residence - 9 Years. <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 793; guidelines require 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835341 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 835404 | xxxxxx D B A | Closed | xxxxxx | 2025-04-28 17:04 | 2025-05-27 16:57 | Resolved | 1 - Information C A | Credit | Eligibility | Subject property was listed for sale within a time period not allowed by guidelines | Resolved-Three year pre-payment penalty was provided. - Due Diligence Vendor-05/27/2025 <br> Ready for Review-Document Uploaded. - Buyer-05/27/2025 <br> Ready for Review-5/27/25 - manually uploading to xxxxxx to avoid condition delays with review. Please rush. - Buyer-05/27/2025 <br> Open-Subject property was listed for sale within a time period not allowed per guidelines Prepayment is only for 3 months - Investment properties listed for sale in the past six (6) months. ▪ Cash-out eligible with a minimum three (3) year prepay penalty - Due Diligence Vendor-04/28/2025 |  | Resolved-Three year pre-payment penalty was provided. - Due Diligence Vendor-05/27/2025<br>| Months Reserves exceed minimum required - 23 months reserves exceed 6 month minimum<br>Qualifying FICO score is at least 20 points above minimum for program - 777 FICO score is 20+ points above 660 minimum |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835404 | xxxxxx D B A | Closed | xxxxxx | 2025-04-29 11:51 | 2025-05-21 10:36 | Resolved | 1 - Information C A | Credit | Closing | Prepayment Penalty Issue | Resolved-Received amended prepayment rider and addendum reflecting 3 years. - Due Diligence Vendor-05/21/2025 <br>Open-Per note 3 month prepay - Per guides a minimum of 3 year required due to property being listed in the last 6 months. - Due Diligence Vendor-04/29/2025 |  | Resolved-Received amended prepayment rider and addendum reflecting 3 years. - Due Diligence Vendor-05/21/2025<br>| Months Reserves exceed minimum required - 23 months reserves exceed 6 month minimum<br>Qualifying FICO score is at least 20 points above minimum for program - 777 FICO score is 20+ points above 660 minimum |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835404 | xxxxxx D B A | Closed | xxxxxx | 2025-04-28 17:31 | 2025-05-07 10:53 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received revised appraisal with evidence of Unit xxxxxx and xxxxxx listing. - Due Diligence Vendor-05/07/2025 <br> Open-1. Unit xxxxxx<br> 2. Appraisal states that the property is listed for sale but also states that it has not been listed - Due Diligence Vendor-04/28/2025 |  | Resolved-Received revised appraisal with evidence of Unit xxxxxx and xxxxxx listing. - Due Diligence Vendor-05/07/2025 | Months Reserves exceed minimum required - 23 months reserves exceed 6 month minimum<br>Qualifying FICO score is at least 20 points above minimum for program - 777 FICO score is 20+ points above 660 minimum |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835404 | xxxxxx D B A | Closed | xxxxxx | 2025-04-28 17:05 | 2025-05-06 10:23 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Potential Employment/income Issues identified in the file | Waived-Client provided a waiver to allow xxxxxx sales, applied to non material finding with comp factors. - Due Diligence Vendor-07/10/2025 <br> Ready for Review-5/5/25 - please see pre-close exception approval attached. - Seller-05/05/2025 <br> Open-Guidelines for income derived from xxxxxx:<br> • Self-employed income (active or passive) derived from a company involved in xxxxxx, etc. is not allowed regardless of percentage of company ownership. - Due Diligence Vendor-04/28/2025 | Ready for Review-5/5/25 - please see pre-close exception approval attached. - Seller-05/05/2025 | Waived-Client provided a waiver to allow xxxxxx sales, applied to non material finding with comp factors. - Due Diligence Vendor-07/10/2025 | Months Reserves exceed minimum required - 23 months reserves exceed 6 month minimum<br>Qualifying FICO score is at least 20 points above minimum for program - 777 FICO score is 20+ points above 660 minimum |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 835404 | xxxxxx D B A | Closed | xxxxxx | 2025-04-28 17:23 | 2025-05-02 11:15 | Resolved | 1 - Information C A | Credit | Title | Title issue | Resolved-Received CEMA with all exhibits. - Due Diligence Vendor-05/02/2025 <br>Open-Missing - Consolidation Extension and Modification Agreement (CEMA) with all exhibits - Due Diligence Vendor-04/28/2025 |  | Resolved-Received CEMA with all exhibits. - Due Diligence Vendor-05/02/2025<br>| Months Reserves exceed minimum required - 23 months reserves exceed 6 month minimum<br>Qualifying FICO score is at least 20 points above minimum for program - 777 FICO score is 20+ points above 660 minimum |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835404 | xxxxxx D B A | Closed | xxxxxx | 2025-04-28 17:51 | 2025-05-02 11:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-05/02/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Gap Credit Report is Missing - Due Diligence Vendor-04/28/2025 |  | Resolved-Received Gap Report. - Due Diligence Vendor-05/02/2025<br>| Months Reserves exceed minimum required - 23 months reserves exceed 6 month minimum<br>Qualifying FICO score is at least 20 points above minimum for program - 777 FICO score is 20+ points above 660 minimum |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835405 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 835406 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 835411 | xxxxxx C A | Closed | xxxxxx | 2025-05-05 15:12 | 2025-06-03 12:16 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Received revised appraisal. - Due Diligence Vendor-06/03/2025 <br> Counter-Documentation received is insufficient-if garage conversion photos are not labeled correctly-appraiser must correct. Finding remains. - Due Diligence Vendor-05/21/2025 <br> Open-Missing appraiser's comments for: xxxxxx (2) declining market values with oversupply (3) Additional findings may apply. - Due Diligence Vendor-05/05/2025 |  | Resolved-Received revised appraisal. - Due Diligence Vendor-06/03/2025<br>| Months Reserves exceed minimum required - 17 months > 6 months required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 731; minimum required 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 835411 | xxxxxx C A | Closed | xxxxxx | 2025-05-02 16:32 | 2025-05-21 10:10 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Lock COC in file. - Due Diligence Vendor-05/21/2025 <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 ($1,896.54) does not exceed or equal the comparable sum of specific and non-specific lender credits ($1,917.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from $1917.00 to $1896.54 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $20.46, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx.<br> - Due Diligence Vendor-05/02/2025 |  | Resolved-Lock COC in file. - Due Diligence Vendor-05/21/2025<br>| Months Reserves exceed minimum required - 17 months > 6 months required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 731; minimum required 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 835411 | xxxxxx C A | Closed | xxxxxx | 2025-05-05 17:18 | 2025-05-13 11:37 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-Received acceptable LOE. - Due Diligence Vendor-05/13/2025 <br>Open-ATR: The Lender did not document all ATR Factors Missing letter of explanation for 84% decline in earnings in the most recent 6-months compared to the previous 12-months. Bulk of income earned in the previous 6-months. No month in the most recent 6-months supports the borrower's qualifying income. Letter must support consistent and stable earnings. Documentation to support may be required. Additional findings may apply. - Due Diligence Vendor-05/05/2025 |  | Resolved-Received acceptable LOE. - Due Diligence Vendor-05/13/2025<br>| Months Reserves exceed minimum required - 17 months > 6 months required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 731; minimum required 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 835411 | xxxxxx C A | Closed | xxxxxx | 2025-05-05 17:18 | 2025-05-13 11:37 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received acceptable LOE. - Due Diligence Vendor-05/13/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing letter of explanation for 84% decline in earnings in the most recent 6-months compared to the previous 12-months. Bulk of income earned in the previous 6-months. No month in the most recent 6-months supports the borrower's qualifying income. Letter must support consistent and stable earnings. Documentation to support may be required. Additional findings may apply. - Due Diligence Vendor-05/05/2025 |  | Resolved-Received acceptable LOE. - Due Diligence Vendor-05/13/2025<br>| Months Reserves exceed minimum required - 17 months > 6 months required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 731; minimum required 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 835411 | xxxxxx C A | Closed | xxxxxx | 2025-05-05 15:39 | 2025-05-13 11:36 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 1 Income Trend is Decreasing | Resolved-Income 1 Income Trend is Resolved - Due Diligence Vendor-05/13/2025 <br>Open-Income 1 Income Trend is Decreasing Missing letter of explanation for 84% decline in earnings in the most recent 6-months compared to the previous 12-months. Bulk of income earned in the previous 6-months. No month in the most recent 6-months supports the borrower's qualifying income. Letter must support consistent and stable earnings. Documentation to support may be required. Additional findings may apply. - Due Diligence Vendor-05/05/2025 |  | Resolved-Income 1 Income Trend is Resolved - Due Diligence Vendor-05/13/2025<br>| Months Reserves exceed minimum required - 17 months > 6 months required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 731; minimum required 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 835411 | xxxxxx C A | Closed | xxxxxx | 2025-05-05 15:02 | 2025-05-13 11:33 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Received documentation to support the borrower has no affiliation. - Due Diligence Vendor-05/13/2025 <br>Open-Vested Owner Signature Requirement Not met. Missing evidence that borrower has no affiliation with the LLC. - Due Diligence Vendor-05/05/2025 |  | Resolved-Received documentation to support the borrower has no affiliation. - Due Diligence Vendor-05/13/2025<br>| Months Reserves exceed minimum required - 17 months > 6 months required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 731; minimum required 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 835417 | xxxxxx D B A C | Closed | xxxxxx | 2025-04-28 06:39 | 2025-05-15 09:59 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation product. - Due Diligence Vendor-05/15/2025 <br>Open-Additional valuation product has not been provided. Missing secondary valuation product to support value - Due Diligence Vendor-04/28/2025 |  | Resolved-Received secondary valuation product. - Due Diligence Vendor-05/15/2025<br>| Qualifying DTI below maximum allowed - Guide max 50%, actual 17%.<br>Qualifying FICO score is at least 20 points above minimum for program - Guide min 680, actual 768. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835417 | xxxxxx D B A C | Closed | xxxxxx | 2025-04-25 11:39 | 2025-05-07 10:20 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Escrow Account | Resolved-Received PCCD xxxxxx with corrected Escrow. Finding resolved. - Due Diligence Vendor-05/07/2025 <br> Open-Final CD, page 4 is missing reason for no escrow account established, either declined or lender does not offer one box is not checked. Provide a PCCD with correction within 60 days of consummation. - Due Diligence Vendor-04/25/2025 |  | Resolved-Received PCCD xxxxxx with corrected Escrow. Finding resolved. - Due Diligence Vendor-05/07/2025 | Qualifying DTI below maximum allowed - Guide max 50%, actual 17%.<br>Qualifying FICO score is at least 20 points above minimum for program - Guide min 680, actual 768. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835417 | xxxxxx D B A C | Closed | xxxxxx | 2025-04-25 11:35 | 2025-04-25 11:35 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings - Due Diligence Vendor-04/25/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings - Due Diligence Vendor-04/25/2025<br>| Qualifying DTI below maximum allowed - Guide max 50%, actual 17%.<br>Qualifying FICO score is at least 20 points above minimum for program - Guide min 680, actual 768. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 835420 | xxxxxx D A C | Closed | xxxxxx | 2025-05-06 07:22 | 2025-05-14 11:01 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-05/14/2025 <br>Counter-AVM provided, however we are miss a 2nd AVM from a different approved vendor. - Due Diligence Vendor-05/09/2025 <br>Open-Additional valuation product has not been provided. Missing Secondary Valuation - Due Diligence Vendor-05/06/2025 |  | Resolved-Received secondary valuation. - Due Diligence Vendor-05/14/2025<br>| CLTV is less than guidelines maximum - 90% allowed, subject 61.82%<br>Qualifying DTI below maximum allowed - 50% allowed, subject 38.84%. <br>Months Reserves exceed minimum required - 77.65 mos reserves; 0 required<br>Qualifying FICO score is at least 20 points above minimum for program - 790 FICO; 740 required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835420 | xxxxxx D A C | Closed | xxxxxx | 2025-05-06 13:00 | 2025-05-09 16:19 | Resolved | 1 - Information C A | Credit | Eligibility | Missing First Mtg Note | Resolved-1st lien Note provided. - Due Diligence Vendor-05/09/2025 <br>Counter-Received duplicate copy of 2nd lien Note-provide 1st lien Note. - Due Diligence Vendor-05/08/2025 <br>Open-Per the applicable guidelines the first mortgage note is required to verify the first lien. No copy of the first mortgage note was identified in the file. - Due Diligence Vendor-05/06/2025 |  | Resolved-1st lien Note provided. - Due Diligence Vendor-05/09/2025<br>| CLTV is less than guidelines maximum - 90% allowed, subject 61.82%<br>Qualifying DTI below maximum allowed - 50% allowed, subject 38.84%. <br>Months Reserves exceed minimum required - 77.65 mos reserves; 0 required<br>Qualifying FICO score is at least 20 points above minimum for program - 790 FICO; 740 required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835424 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 835425 | xxxxxx C A | Closed | xxxxxx | 2025-04-17 13:03 | 2025-04-22 11:29 | Resolved | 1 - Information C A | Credit | Eligibility | Missing First Mtg Note | Resolved-Received 1st Lien Note. - Due Diligence Vendor-04/22/2025 <br>Ready for Review-Document Uploaded. - Seller-04/18/2025 <br>Open-The existing first mortgage note was not identified in the file. - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. - Seller-04/18/2025 | Resolved-Received 1st Lien Note. - Due Diligence Vendor-04/22/2025<br>| Qualifying DTI below maximum allowed - Maximum DTI 50%. Subject 38.13%<br>Months Reserves exceed minimum required - No reserves required. Subject 28.16 months reserves. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835443 | xxxxxx D A | Closed | xxxxxx | 2025-04-29 11:57 | 2025-05-06 10:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-05/06/2025 <br>Counter-Received Participant List. Please provide a copy of the full Fraud Report. - Due Diligence Vendor-05/02/2025 <br>Open-Missing Third Party Fraud Report MISSING FRAUD REPORT. OFAC SEARCHES IN FILE. - Due Diligence Vendor-04/29/2025 |  | Resolved-Received Fraud Report. - Due Diligence Vendor-05/06/2025<br>| Months Reserves exceed minimum required - 15.89mos reserves. Per guides, 2 reserves required.<br>LTV is less than guideline maximum - Borr LTV 60.24%. Per guides, maximum LTV 70%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835445 | xxxxxx D B A C | Closed | xxxxxx | 2025-05-09 12:25 | 2025-06-03 17:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received confirmation of CPA. - Due Diligence Vendor-06/03/2025 <br>Counter-Documentation is insufficient-tax preparer license to be validated. Original finding remains. - Due Diligence Vendor-05/20/2025 <br>Open-Borrower 1 CPA Letter Missing Letter in file does not identify tax preparer as a Certified Public Accountant (CPA), an IRS Enrolled Agent (EA), a CTEC registered tax preparer, PTIN, or a Tax Attorney with business license number, only business name is listed. Also missing current/active license or certification for the preparer. - Due Diligence Vendor-05/09/2025 |  | Resolved-Received confirmation of CPA. - Due Diligence Vendor-06/03/2025<br>| Qualifying DTI below maximum allowed - DTI is 42.81% and max allowed is 50%<br>Qualifying FICO score is at least 20 points above minimum for program - 724 > 680 required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 835445 | xxxxxx D B A C | Closed | xxxxxx | 2025-05-08 11:46 | 2025-06-02 08:34 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured-Received PCCD xxxxxx, LOX, copy of check and proof of delivery. - Due Diligence Vendor-06/02/2025 <br> Counter-Received the COC for the increase of discount point fee. However, there was an additional Appraisal Fee of $165 added to final CD without a valid COC. Finding remains. - Due Diligence Vendor-05/20/2025 <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 $407.75.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). Zero (0%) tolerance fees increased by $407.75 (Discount Fee [$337.75], Appraisal [$65] and Credit Report fee [$5]) without a valid COC in file. There is a $5.00 lender credit on final CD for closing costs above legal limit, resolving violation for Credit Report Fee.. Provide a valid and timely COC for increases OR evidence of refund to borrower or principal reduction in the amount of $402.75, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is xxxxxx. - Due Diligence Vendor-05/08/2025 |  | Cured-Received PCCD xxxxxx, LOX, copy of check and proof of delivery. - Due Diligence Vendor-06/02/2025 | Qualifying DTI below maximum allowed - DTI is 42.81% and max allowed is 50%<br>Qualifying FICO score is at least 20 points above minimum for program - 724 > 680 required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 835452 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 835458 | xxxxxx C B A | Closed | xxxxxx | 2025-05-09 15:08 | 2025-05-21 10:51 | 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-05/21/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description - Due Diligence Vendor-05/09/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-05/21/2025<br>| On time mortgage history exceeds guideline requirement - Borrs 44mos 0x30 mortgage pay history. Per guides, minimum 36mos 0x30 mortgage/rental pay history.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 766. Per guides, minimum score required 680.<br>Months Reserves exceed minimum required - 10.39mos reserves. Per guides, 2 reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835458 | xxxxxx C B A | Closed | xxxxxx | 2025-05-14 10:38 | 2025-05-14 10:51 | Waived | 2 - Non-Material C B | Credit | Insurance | Rent Loss Coverage is Insufficient or Missing | Waived-Client exception granted to allow no loss rent coverage. Non-material waiver applied with comp factors. Deemed non-material due to strong mortgage history, low LTV and high reserves - Due Diligence Vendor-05/14/2025 <br> Open-Rent Loss Coverage is Insufficient or Missing. Subject has xxxxxx in policy missing loss rent as guide requires. - Due Diligence Vendor-05/14/2025 |  | Waived-Client exception granted to allow no loss rent coverage. Non-material waiver applied with comp factors. Deemed non-material due to strong mortgage history, low LTV and high reserves - Due Diligence Vendor-05/14/2025<br>| On time mortgage history exceeds guideline requirement - Borrs 44mos 0x30 mortgage pay history. Per guides, minimum 36mos 0x30 mortgage/rental pay history.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 766. Per guides, minimum score required 680.<br>Months Reserves exceed minimum required - 10.39mos reserves. Per guides, 2 reserves required. | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Credit Score 30+ points > minimum required | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 835462 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 835463 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 835465 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 835481 | xxxxxx D A | Closed | xxxxxx | 2025-05-08 15:17 | 2025-06-17 11:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-The updated leases were provided. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. 6/17/25 - manually uploaded leases to xxxxxx. Please review - Seller-06/17/2025 <br> Counter-Received second amendment-missing complete lease. Original finding remains. - Due Diligence Vendor-05/19/2025 <br> Open-Borrower 1 Lease Agreements Missing Missing lease agreements for REO xxxxxx for $4200/m and Subject property for $3800/m. - Due Diligence Vendor-05/08/2025 | Ready for Review-Document Uploaded. 6/17/25 - manually uploaded leases to xxxxxx. Please review - Seller-06/17/2025 | Resolved-The updated leases were provided. - Due Diligence Vendor-06/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 779; minimum required 700<br>CLTV is less than guidelines maximum - Qualifying CLTV 54.80%; max 70% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835481 | xxxxxx D A | Closed | xxxxxx | 2025-05-08 15:20 | 2025-06-12 12:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-Two months of business bank statements provided to support business operations. The guidelines do not require sourcing of deposits into the borrower's personal account. - Due Diligence Vendor-06/12/2025 <br>Counter-Business bank statements received do not reflect transfers to borrowers account-original finding remains. - Due Diligence Vendor-05/19/2025 <br>Open-Missing most recent 2-months of business bank statements for qualifying business which evidence activity to support business operations and reflect transfers to the borrower's personal account. Additional findings may apply. - Due Diligence Vendor-05/08/2025 |  | Resolved-Two months of business bank statements provided to support business operations. The guidelines do not require sourcing of deposits into the borrower's personal account. - Due Diligence Vendor-06/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 779; minimum required 700<br>CLTV is less than guidelines maximum - Qualifying CLTV 54.80%; max 70% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835481 | xxxxxx D A | Closed | xxxxxx | 2025-05-19 10:29 | 2025-06-05 13:18 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-After further review- The subject property is part of BOTH a Master HOA (xxxxxx) and a Sub HOA (xxxxxx) The UW cert, attorney letter full explain the layout of this community. Condo rider provided is part of the xxxxxx where subject is located which is part of the Sub HOA. All documents are reviewed- condition resolved. - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. 6/3/25 - Manually uploading condition due to Counter status to avoid delays. Please see HOA cert from xxxxxx. - Seller-06/03/2025 <br> Counter-Documentation received - confirmation of Condo Rider is required. - Due Diligence Vendor-06/02/2025 <br> Ready for Review-5/30/25 - Manually uploading to xxxxxx. Delays w/ Counter condition log. Please rush review. - Seller-05/30/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. \*New\* Condo Rider reflects xxxxxx-received note that the HOA is only 1 with name xxxxxx Maintenance Corporation. - Due Diligence Vendor-05/19/2025 | Ready for Review-Document Uploaded. 6/3/25 - Manually uploading condition due to Counter status to avoid delays. Please see HOA cert from xxxxxx. - Seller-06/03/2025 <br> Ready for Review-5/30/25 - Manually uploading to xxxxxx. Delays w/ Counter condition log. Please rush review. - Seller-05/30/2025 | Resolved-After further review- The subject property is part of BOTH a Master HOA (xxxxxx) and a Sub HOA (xxxxxx) The UW cert, attorney letter full explain the layout of this community. Condo rider provided is part of the xxxxxx where subject is located which is part of the Sub HOA. All documents are reviewed- condition resolved. - Due Diligence Vendor-06/05/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 779; minimum required 700<br>CLTV is less than guidelines maximum - Qualifying CLTV 54.80%; max 70% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835481 | xxxxxx D A | Closed | xxxxxx | 2025-05-08 14:43 | 2025-06-05 13:06 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-After further review, documents provided for xxxxxx and the LOX/UW cert provided are sufficient- Condition resolved. - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. 6/3/25 - Manually uploading condition due to Counter status to avoid delays. Please see HOA cert from xxxxxx. - Buyer-06/03/2025 <br> Counter-Documentation received is insufficient-Missing Condo Questionnaire for xxxxxx-must meet guidelines. Questionnaire for Master HOA xxxxxx only received. Also missing the xxxxxx Disclosure incorporated into the Master HOA Questionnaire to answer HOA questions 16, 17, and18. May escalate to Client for confirmation of ability to follow only Master HOA rather than both sub and master. - Due Diligence Vendor-06/02/2025 <br> Ready for Review-Document Uploaded. 5/30/25 - Manually uploading to xxxxxx. Delays w/ Counter condition log. Please rush review. - Buyer-05/30/2025 <br> Counter-Received note-only xxxxxx yet documentation received from xxxxxx also received. Original finding remains. - Due Diligence Vendor-05/19/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing Condo Questionnaire for xxxxxx. Questionnaire for Master HOA xxxxxx only received. Also missing the xxxxxx Disclosure incorporated into the Master HOA Questionnaire to answer HOA questions 16, 17, and18. Must meet Project Requirements. Additional findings may apply. - Due Diligence Vendor-05/08/2025 |  | Resolved-After further review, documents provided for xxxxxx and the LOX/UW cert provided are sufficient- Condition resolved. - Due Diligence Vendor-06/05/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 779; minimum required 700<br>CLTV is less than guidelines maximum - Qualifying CLTV 54.80%; max 70% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835481 | xxxxxx D A | Closed | xxxxxx | 2025-05-08 13:57 | 2025-06-02 09:07 | Resolved | 1 - Information C A | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Received Trust Cert. - Due Diligence Vendor-06/02/2025 <br> Ready for Review-Document Uploaded. 5/30/25 - Manually uploading to xxxxxx. Delays w/ Counter condition log. Please rush review. - Buyer-05/30/2025 <br> Counter-Documentation received is insufficient-original finding remains. - Due Diligence Vendor-05/19/2025 <br> Open-Trust/POA Does Not Meet Guideline Requirements Missing complete Trust Certification from the transaction dated xxxxxx. Questions 1, 2, 4, 5, 11, and 12 are all incomplete. Additional findings may apply. - Due Diligence Vendor-05/08/2025 |  | Resolved-Received Trust Cert. - Due Diligence Vendor-06/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 779; minimum required 700<br>CLTV is less than guidelines maximum - Qualifying CLTV 54.80%; max 70% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835481 | xxxxxx D A | Closed | xxxxxx | 2025-05-08 15:01 | 2025-05-20 15:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-Condo master policy provided from xxxxxx HOA - Due Diligence Vendor-05/20/2025 <br> Counter-Received note indicating only 1 HOA and received certificate of liability reflecting xxxxxx . Received only liability insurance-missing master policy - Due Diligence Vendor-05/19/2025 <br> Open-Missing Condo Master Insurance Policy Missing project insurance for xxxxxx. Project insurance for Master HOA xxxxxx only received. Must meet Project Requirements. Additional findings may apply. - Due Diligence Vendor-05/08/2025 |  | Resolved-Condo master policy provided from xxxxxx HOA - Due Diligence Vendor-05/20/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 779; minimum required 700<br>CLTV is less than guidelines maximum - Qualifying CLTV 54.80%; max 70% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835481 | xxxxxx D A | Closed | xxxxxx | 2025-05-08 16:03 | 2025-05-20 10:39 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-Lender provided a Cert stating that HOA budget has a reserve amount of 10,757,31 and that the insurance company is providing indemnity as well - Due Diligence Vendor-05/20/2025 <br> Open-Master HOA, xxxxxx, is subject to 4 separate where the Master HOA is Defendant in 3. Case #1 is for special assessments. Case #2 is for slip and fall, non-structural. Case #3 is the HOA as Plaintiff for breach of CCRs. Case #4 is for personal injury, non-structural. The file contains a letter from the HOA for each case. However, the amount of the lawsuits are unknown and 3 are major. Provide a copy of the HOA budget reserves or the amount of the lawsuit to ensure insurance coverage can be met. (Note that project documentation for the Sub-HOA, xxxxxx, has not yet been provided and additional litigation is unknown.) Additional findings may apply. - Due Diligence Vendor-05/08/2025 |  | Resolved-Lender provided a Cert stating that HOA budget has a reserve amount of 10,757,31 and that the insurance company is providing indemnity as well - Due Diligence Vendor-05/20/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 779; minimum required 700<br>CLTV is less than guidelines maximum - Qualifying CLTV 54.80%; max 70% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835481 | xxxxxx D A | Closed | xxxxxx | 2025-05-08 15:20 | 2025-05-20 10:11 | Resolved | 1 - Information C A | Credit | Income/Employment | Income documentation does not meet guidelines | Resolved-Received 2 months rents. - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. 5/19/25 - manually loaded document to condition in xxxxxx due to Counter condition code. Please review. - Buyer-05/19/2025 <br> Counter-Documentation not received-please re upload. - Due Diligence Vendor-05/19/2025 <br> Open-Missing most recent 2-months of proof of the receipt of rental income for REO xxxxxx for $4200/m and Subject property for $3800/m. Additional findings may apply. - Due Diligence Vendor-05/08/2025 |  | Resolved-Received 2 months rents. - Due Diligence Vendor-05/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 779; minimum required 700<br>CLTV is less than guidelines maximum - Qualifying CLTV 54.80%; max 70% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835481 | xxxxxx D A | Closed | xxxxxx | 2025-05-08 15:20 | 2025-05-20 10:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Received LOE regarding large deposits. - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. 5/19/25 - manually loaded LOE document received to condition in xxxxxx due to Counter condition code. Please review. - Seller-05/19/2025 <br> Counter-Documentation not received-original finding remains. - Due Diligence Vendor-05/19/2025 <br> Open-Missing letter of explanation for and source of inconsistent and large deposits which exceed $30k on 05/07/24, 06/05/24, 08/14/24, and 12/30/24. Additional findings may apply. - Due Diligence Vendor-05/08/2025 | Ready for Review-Document Uploaded. 5/19/25 - manually loaded LOE document received to condition in xxxxxx due to Counter condition code. Please review. - Seller-05/19/2025 | Resolved-Received LOE regarding large deposits. - Due Diligence Vendor-05/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 779; minimum required 700<br>CLTV is less than guidelines maximum - Qualifying CLTV 54.80%; max 70% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835481 | xxxxxx D A | Closed | xxxxxx | 2025-05-08 15:54 | 2025-05-19 10:58 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-05/19/2025 <br>Open-LOX for credit inquiries is missing. Missing letter of explanation for credit inquiries. - Due Diligence Vendor-05/08/2025 |  | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-05/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 779; minimum required 700<br>CLTV is less than guidelines maximum - Qualifying CLTV 54.80%; max 70% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835481 | xxxxxx D A | Closed | xxxxxx | 2025-05-08 15:51 | 2025-05-19 10:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received documentation supporting borrowers are not owners. - Due Diligence Vendor-05/19/2025 <br> Open-Third Party Fraud Report Partially Provided Missing corresponding documentation for cleared alert related to other REO showing owned by the borrower at xxxxxx Owned properties must have PITIA and housing histories fully documented. Additional findings may apply. - Due Diligence Vendor-05/08/2025 |  | Resolved-Received documentation supporting borrowers are not owners. - Due Diligence Vendor-05/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 779; minimum required 700<br>CLTV is less than guidelines maximum - Qualifying CLTV 54.80%; max 70% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835481 | xxxxxx D A | Closed | xxxxxx | 2025-05-08 15:17 | 2025-05-19 10:43 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 1 Income Trend is Decreasing | Resolved-Received letter of explanation on distributions. - Due Diligence Vendor-05/19/2025 <br>Open-Income 1 Income Trend is Decreasing Missing letter of explanation for decline in income of 38% when comparing the borrower's 12-month average to the most recent 3-month average. Large deposits over $30k on 05/07/24, 06/05/24, 08/14/24, and 12/30/24 are inconsistent and no longer occurring after 12/30/24. Additional findings may apply. - Due Diligence Vendor-05/08/2025 |  | Resolved-Received letter of explanation on distributions. - Due Diligence Vendor-05/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 779; minimum required 700<br>CLTV is less than guidelines maximum - Qualifying CLTV 54.80%; max 70% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835481 | xxxxxx D A | Closed | xxxxxx | 2025-05-08 15:17 | 2025-05-19 10:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CPA letter - Due Diligence Vendor-05/19/2025 <br>Open-Borrower 1 CPA Letter Missing Missing CPA letter, Tax Preparer letter, operating agreement, or equivalent, reflecting the borrower's ownership percentage is equal to or greater than 20%. Statement of Information is not sufficient. For true C-Corporations a certificate of stocks shares owned may be required. Additional findings may apply. - Due Diligence Vendor-05/08/2025 |  | Resolved-Received CPA letter - Due Diligence Vendor-05/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 779; minimum required 700<br>CLTV is less than guidelines maximum - Qualifying CLTV 54.80%; max 70% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835481 | xxxxxx D A | Closed | xxxxxx | 2025-05-08 14:43 | 2025-05-19 10:14 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-05/19/2025 <br>Open-Additional valuation product has not been provided. Provide acceptable secondary valuation within allowable tolerance to support the appraised value. Original appraiser to address any discrepancies between the review and Original Appraisal. Additional findings may apply. - Due Diligence Vendor-05/08/2025 |  | Resolved-Received secondary valuation. - Due Diligence Vendor-05/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 779; minimum required 700<br>CLTV is less than guidelines maximum - Qualifying CLTV 54.80%; max 70% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835488 | xxxxxx C A | Closed | xxxxxx | 2025-05-05 09:07 | 2025-05-05 16:21 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Wet signed Note on page 711. - Due Diligence Vendor-05/05/2025 <br>Open-There are Issues Present on the Note that must be addressed. Note signed Electronically/Virtually - there is a KBA Waiver Approval to Sign Docs Virtually in file - Due Diligence Vendor-05/05/2025 |  | Resolved-Wet signed Note on page 711. - Due Diligence Vendor-05/05/2025<br>| DSCR % greater than 1.20 - DSCR = 1.290<br>LTV is less than guideline maximum - LTV = 50.56% - Max LTV = 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835504 | xxxxxx C A | Closed | xxxxxx | 2025-04-30 19:33 | 2025-05-09 11:10 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National but ACH form is not in file | Resolved-Received ACH - Due Diligence Vendor-05/09/2025 <br> Open-Foreign National but the ACH form is Missing from file. xxxxxx, MISSING ACH FORM. PER GUIDES PG11: Automatic Payment Authorization (ACH) Form is required for all foreign national borrowers. - Due Diligence Vendor-04/30/2025 |  | Resolved-Received ACH - Due Diligence Vendor-05/09/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.012 Per guides, minimum DSCR 0<br>Months Reserves exceed minimum required - 3.41mos reserves. Per guides, 0 reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835512 | xxxxxx D A | Closed | xxxxxx | 2025-04-21 14:01 | 2025-05-15 16:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Proof this property is sold was provided. - Due Diligence Vendor-05/15/2025 <br> Counter-Subject property Location report for the subject (xxxxxx) provided. However we are missing verification of taxes for the land purchased per the Fraud Report. - Due Diligence Vendor-05/06/2025 <br> Counter-Received commentary property sold-per VOM and LOE in file borrower owns xxxxxx and paying off xxxxxx. Provide RE Taxes for consideration. - Due Diligence Vendor-05/05/2025 <br> Counter-Revised: provide tax amount for land tied to primary residence or confirm already included in tax roll. - Due Diligence Vendor-05/01/2025 <br> Open-Missing Tax insurance for undisclosed property reported on fraud report and VOM and LOX in file borrower purchased a xxxxxx tied to this primary residence - Due Diligence Vendor-04/22/2025 |  | Resolved-Proof this property is sold was provided. - Due Diligence Vendor-05/15/2025<br>| On time mortgage history exceeds guideline requirement - 0x30 on time mortgage housing history.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 742; minimum is 700. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835512 | xxxxxx D A | Closed | xxxxxx | 2025-04-21 13:57 | 2025-05-01 12:07 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-05/01/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-04/22/2025 |  | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-05/01/2025<br>| On time mortgage history exceeds guideline requirement - 0x30 on time mortgage housing history.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 742; minimum is 700. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835512 | xxxxxx D A | Closed | xxxxxx | 2025-04-21 13:57 | 2025-05-01 12:07 | Resolved | 1 - Information C A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-05/01/2025 <br>Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-04/22/2025 |  | Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-05/01/2025<br>| On time mortgage history exceeds guideline requirement - 0x30 on time mortgage housing history.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 742; minimum is 700. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835512 | xxxxxx D A | Closed | xxxxxx | 2025-04-21 13:13 | 2025-05-01 12:04 | Resolved | 1 - Information C A | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Resolved-Upon further review, the loan file contains variance for property type. - Due Diligence Vendor-05/01/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program- xxxxxx. Per guidelines, xxxxxx are not eligible - Due Diligence Vendor-04/21/2025 |  | Resolved-Upon further review, the loan file contains variance for property type. - Due Diligence Vendor-05/01/2025<br>| On time mortgage history exceeds guideline requirement - 0x30 on time mortgage housing history.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 742; minimum is 700. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835512 | xxxxxx D A | Closed | xxxxxx | 2025-04-18 09:49 | 2025-05-01 10:02 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received lender attestation of new affiliates. Finding resolved. - Due Diligence Vendor-05/01/2025 <br>Open-Required Affiliated Business Disclosure Missing Please provide affiliated business disclosure. Borrower has title fees in section B of the final CD and the payee is not listed on the service provider list. - Due Diligence Vendor-04/18/2025 |  | Resolved-Received lender attestation of new affiliates. Finding resolved. - Due Diligence Vendor-05/01/2025<br>| On time mortgage history exceeds guideline requirement - 0x30 on time mortgage housing history.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 742; minimum is 700. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835614 | xxxxxx D A | Closed | xxxxxx | 2025-05-05 08:07 | 2025-05-09 15:39 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Affidavit - Due Diligence Vendor-05/09/2025 <br>Ready for Review-Document Uploaded. - Seller-05/07/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Occupancy cert only in file. - Due Diligence Vendor-05/05/2025 | Ready for Review-Document Uploaded. - Seller-05/07/2025 | Resolved-Received Business Purpose Affidavit - Due Diligence Vendor-05/09/2025<br>| LTV is less than guideline maximum - LTV 65% max 75%.<br>Months Reserves exceed minimum required - 20.64 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835631 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 835634 | xxxxxx C B A | Closed | xxxxxx | 2025-05-19 06:47 | 2025-05-23 10:29 | Resolved | 1 - Information C A | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-Received previous and renewal license. - Due Diligence Vendor-05/23/2025 <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-05/19/2025 |  | Resolved-Received previous and renewal license. - Due Diligence Vendor-05/23/2025<br>| Verified employment history exceeds guidelines - B2 Verified employment of 5+ years exceed minimum required 24 months <br>Qualifying FICO score is at least 20 points above minimum for program - FICO 804 is higher than the 680 minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835634 | xxxxxx C B A | Closed | xxxxxx | 2025-05-19 06:36 | 2025-05-21 10:13 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Upon further review, the loan file contained all required gap credit report requirements. - Due Diligence Vendor-05/21/2025 <br>Ready for Review-Required within 30 days not 10 days. Guidelines: A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. - Buyer-05/20/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). GAP Credit > 10 days from closing for both borrowers. - Due Diligence Vendor-05/20/2025 |  | Resolved-Upon further review, the loan file contained all required gap credit report requirements. - Due Diligence Vendor-05/21/2025<br>| Verified employment history exceeds guidelines - B2 Verified employment of 5+ years exceed minimum required 24 months <br>Qualifying FICO score is at least 20 points above minimum for program - FICO 804 is higher than the 680 minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835634 | xxxxxx C B A | Closed | xxxxxx | 2025-05-16 13:19 | 2025-05-16 13:22 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/16/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/16/2025<br>| Verified employment history exceeds guidelines - B2 Verified employment of 5+ years exceed minimum required 24 months <br>Qualifying FICO score is at least 20 points above minimum for program - FICO 804 is higher than the 680 minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 835653 | xxxxxx C B A | Closed | xxxxxx | 2025-05-16 07:12 | 2025-05-21 10:15 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOE for credit inquires. - Due Diligence Vendor-05/21/2025 <br>Open-LOX for credit inquiries is missing. Missing LOX-signed form in file missing inquiries. - Due Diligence Vendor-05/16/2025 |  | Resolved-Received LOE for credit inquires. - Due Diligence Vendor-05/21/2025<br>| Long term residence - Living in subject property 11 years.<br>CLTV is less than guidelines maximum - Max 75%, actual 56%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835653 | xxxxxx C B A | Closed | xxxxxx | 2025-05-19 13:22 | 2025-05-19 13:24 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted to allow 1x30 in past 12 months. Non-material waiver applied with comp factors. Deemed non-material due to isolated occurrence, past 48 months on time outside of this late payment. - Due Diligence Vendor-05/19/2025 <br>Open-Housing History Does Not Meet Guideline Requirements 1x30 mortgage late pay in past 12 months - Due Diligence Vendor-05/19/2025 |  | Waived-Client exception granted to allow 1x30 in past 12 months. Non-material waiver applied with comp factors. Deemed non-material due to isolated occurrence, past 48 months on time outside of this late payment. - Due Diligence Vendor-05/19/2025<br>| Long term residence - Living in subject property 11 years.<br>CLTV is less than guidelines maximum - Max 75%, actual 56%. | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> Current primary home ownership > 10 years<br> Residual income more than 2.5x the amount required by guidelines | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 835657 | xxxxxx D A C | Closed | xxxxxx | 2025-05-06 13:54 | 2025-07-09 14:57 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received Drive-By appraisal. Value is supported within 10%. - Due Diligence Vendor-05/27/2025 <br> Ready for Review-Document Uploaded. Uploaded exterior appraiser report - Seller-05/22/2025 <br> Counter-Property Condition Report provided, however we are missing a 2nd valuation. Finding remains. - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. Uploaded property condition report. - Seller-05/12/2025 <br> Counter-Refer to sect 2.16.1.3 of the guides and you will see that a secondary valuation is in fact required for all loans. The guides are stating that your PRIMARY product does not have to be a full appraisal on non HPML loans, however as secondary product is required on all loans - Due Diligence Vendor-05/09/2025 <br> Ready for Review-Document Uploaded. Per Guidelines section 2.16.1.1 Appraisal Requirements - Loan amounts less than $250,000 only one of the following is required. (See snip uploaded) AVM was used and provided & dated within 90 days of the Note date. No other valuation is needed, please clear. - Seller-05/07/2025 <br> Open-Additional valuation product has not been provided. Secondary valuation product required in every file - Due Diligence Vendor-05/06/2025 | Ready for Review-Document Uploaded. Uploaded exterior appraiser report - Seller-05/22/2025 <br> Ready for Review-Document Uploaded. Uploaded property condition report. - Seller-05/12/2025 <br> Ready for Review-Document Uploaded. Per Guidelines section 2.16.1.1 Appraisal Requirements - Loan amounts less than $250,000 only one of the following is required. (See snip uploaded) AVM was used and provided & dated within 90 days of the Note date. No other valuation is needed, please clear. - Seller-05/07/2025 | Resolved-Received Drive-By appraisal. Value is supported within 10%. - Due Diligence Vendor-05/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 802 is more than 20 points higher than the guideline min of 680.<br>Qualifying DTI below maximum allowed - Qualifying DTI 43.51 is less than the guideline max of 50. |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835657 | xxxxxx D A C | Closed | xxxxxx | 2025-05-06 15:31 | 2025-05-13 12:28 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Received Property Condition Report. - Due Diligence Vendor-05/13/2025 <br>Ready for Review-Document Uploaded. Uploaded property condition report - Seller-05/12/2025 <br>Open-Missing Property Condition Report to coincide with AVM, must have acceptable findings. - Due Diligence Vendor-05/06/2025 | Ready for Review-Document Uploaded. Uploaded property condition report - Seller-05/12/2025 | Resolved-Received Property Condition Report. - Due Diligence Vendor-05/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 802 is more than 20 points higher than the guideline min of 680.<br>Qualifying DTI below maximum allowed - Qualifying DTI 43.51 is less than the guideline max of 50. |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835657 | xxxxxx D A C | Closed | xxxxxx | 2025-05-06 13:51 | 2025-05-12 12:01 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received UCC Termination and payment included in dti. - Due Diligence Vendor-05/12/2025 <br> Ready for Review-Document Uploaded. - Seller-05/09/2025 <br> Counter-Received UCC Termination - missing confirmation xxxxxx Lien was paid in full per 5.12 of guidelines. - Due Diligence Vendor-05/08/2025 <br> Ready for Review-Document Uploaded. Uploaded Filed UCC-3 Termination showing xxxxxx lien was terminated. Please clear - Seller-05/07/2025 <br> Open-Property Title Issue Need evidence the xxxxxx lien will occupy 3rd position on title. - Due Diligence Vendor-05/06/2025 | Ready for Review-Document Uploaded. - Seller-05/09/2025 <br> Ready for Review-Document Uploaded. Uploaded Filed UCC-3 Termination showing xxxxxx lien was terminated. Please clear - Seller-05/07/2025 | Resolved-Received UCC Termination and payment included in dti. - Due Diligence Vendor-05/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 802 is more than 20 points higher than the guideline min of 680.<br>Qualifying DTI below maximum allowed - Qualifying DTI 43.51 is less than the guideline max of 50. |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835657 | xxxxxx D A C | Closed | xxxxxx | 2025-05-06 15:21 | 2025-05-12 11:50 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received corrected 1003 - Due Diligence Vendor-05/12/2025 <br> Ready for Review-Document Uploaded. Uploaded revised 1003's for each borrower reflecting employment start dates - Seller-05/08/2025 <br> Counter-Provide corrected final 1003 - Start date for employment for B1, B2 and B3. (signature on 1003s not required) - Due Diligence Vendor-05/08/2025 <br> Ready for Review-paystubs & 2 years w2's for B1 (xxxxxx) & B2 (xxxxxx) were provided in loan file package. Please clear or advise what additional is needed - Seller-05/07/2025 <br> Open-Missing full two year employment history for B1 and B2. - Due Diligence Vendor-05/06/2025 | Ready for Review-Document Uploaded. Uploaded revised 1003's for each borrower reflecting employment start dates - Seller-05/08/2025 <br> Ready for Review-paystubs & 2 years w2's for B1 (xxxxxx) & B2 (xxxxxx) were provided in loan file package. Please clear or advise what additional is needed - Seller-05/07/2025 | Resolved-Received corrected 1003 - Due Diligence Vendor-05/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 802 is more than 20 points higher than the guideline min of 680.<br>Qualifying DTI below maximum allowed - Qualifying DTI 43.51 is less than the guideline max of 50. |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835667 | xxxxxx B A | Closed | xxxxxx | 2025-06-26 09:38 | 2025-06-30 08:25 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR - Due Diligence Vendor-06/30/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR ----- Compliance xxxxxx Subprime Loan - APR on subject loan is 7.733% which is within allowable threshold of APOR 6.88% + 1.75 = 8.63% <br> - Due Diligence Vendor-06/26/2025 |  | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR - Due Diligence Vendor-06/30/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO = 737 Min FICO = 680<br>LTV is less than guideline maximum - LTV = 70% - Max LTV = 80% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 835671 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 835678 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 835701 | xxxxxx D A | Closed | xxxxxx | 2025-04-28 11:18 | 2025-05-02 14:59 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Affidavit. - Due Diligence Vendor-05/02/2025 <br>Ready for Review-Document Uploaded. - Seller-05/01/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-04/28/2025 | Ready for Review-Document Uploaded. - Seller-05/01/2025 | Resolved-Received Business Purpose Affidavit. - Due Diligence Vendor-05/02/2025<br>| LTV is less than guideline maximum - LTV 68.99% max 75%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835709 | xxxxxx C A | Closed | xxxxxx | 2025-06-10 13:58 | 2025-06-23 11:39 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Updated title and proof judgment was paid provided. - Due Diligence Vendor-06/23/2025 <br>Ready for Review-Document Uploaded. see attached updated title docs - Buyer-06/23/2025 <br>Open-Property Title Issue. Provide Title supplement reflecting item L omitted on schedule B or provide documentation supporting judgment is satisfied. - Due Diligence Vendor-06/11/2025 |  | Resolved-Updated title and proof judgment was paid provided. - Due Diligence Vendor-06/23/2025<br>| LTV is less than guideline maximum - LTV is 80% and max allowed is 90%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 684 and minimum allowed is 660.<br>Months Reserves exceed minimum required - Borrower has 58.39 reserves and only needs 6 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 835709 | xxxxxx C A | Closed | xxxxxx | 2025-06-10 10:02 | 2025-06-16 07:49 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC for inspection fee increase. - Due Diligence Vendor-06/16/2025 <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 $175.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Zero (0%) tolerance fees increased by $175 (second Final Inspection) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $175, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is xxxxxx.<br> - Due Diligence Vendor-06/10/2025 |  | Resolved-Received COC for inspection fee increase. - Due Diligence Vendor-06/16/2025<br>| LTV is less than guideline maximum - LTV is 80% and max allowed is 90%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 684 and minimum allowed is 660.<br>Months Reserves exceed minimum required - Borrower has 58.39 reserves and only needs 6 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 835742 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 835744 | xxxxxx D A | Closed | xxxxxx | 2025-04-30 09:36 | 2025-05-08 11:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Received 4506 - Due Diligence Vendor-05/08/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-05/06/2025 <br>Open-BORROWER 1 EXECUTED 4506-T/4506-C IS MISSING - Due Diligence Vendor-04/30/2025 |  | Resolved-Received 4506 - Due Diligence Vendor-05/08/2025<br>| Qualifying DTI below maximum allowed - DTI of 44.4% is less than the maximum allowed per guidelines of 50%<br>Months Reserves exceed minimum required - 49.75 mos reserves; 0 required<br>Qualifying FICO score is at least 20 points above minimum for program - FICO of 770 is higher than the minimum FICO required of 700 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835753 | xxxxxx D A | Closed | xxxxxx | 2025-05-14 12:25 | 2025-05-28 10:11 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Business purpose affidavit provided. - Due Diligence Vendor-05/28/2025 <br>Counter-Documentation received is insufficient. Provide Business Purpose Affidavit Disclosure fully executed. - Due Diligence Vendor-05/21/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Missing Business Purpose Affidavit Disclosure. - Due Diligence Vendor-05/14/2025 |  | Resolved-Business purpose affidavit provided. - Due Diligence Vendor-05/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 782; guidelines require 700. <br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.536. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835753 | xxxxxx D A | Closed | xxxxxx | 2025-05-15 11:25 | 2025-05-23 13:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-1003 provided. - Due Diligence Vendor-05/23/2025 <br> Counter-Received perm resident alien card. Provide corrected 1003 reflecting correct Residency Status - signature not required. - Due Diligence Vendor-05/21/2025 <br> Open-1003 states borrower is a xxxxxx. Citizen. However, there is a passport from xxxxxx provided in the file and per the credit report, there is a fraud alert that the borrower's social security number was issued in 2009. If borrower is a non-permanent resident alien, missing EAD card or unexpired Visa. Additional conditions may apply. - Due Diligence Vendor-05/15/2025 |  | Resolved-1003 provided. - Due Diligence Vendor-05/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 782; guidelines require 700. <br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.536. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835754 | xxxxxx D A | Closed | xxxxxx | 2025-04-28 09:27 | 2025-05-06 11:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Receive title owners and encumbrance. - Due Diligence Vendor-05/06/2025 <br>Open-Title Document is missing Missing title commitment for subject property. - Due Diligence Vendor-04/28/2025 |  | Resolved-Receive title owners and encumbrance. - Due Diligence Vendor-05/06/2025<br>| Qualifying DTI below maximum allowed - DTI of 24.13% is less than the maximum allowed per guidelines of 50%<br>On time mortgage history exceeds guideline requirement - Credit report reports on time mortgage history for last 99 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835758 | xxxxxx D B A C | Closed | xxxxxx | 2025-04-28 09:15 | 2025-04-30 11:15 | Waived | 2 - Non-Material C B | Credit | Eligibility | FEMA disaster declared within 120 days of Note (Credit) | Waived-Client provided a waiver with comp factors. Disaster took place on xxxxxx. Appraisal in file dated xxxxxx reports no damage - Due Diligence Vendor-04/30/2025 <br> Ready for Review-The request for an exception to Client's eligibility criteria is granted. - Buyer-04/29/2025 <br> Open-xxxxxx and xxxxxx Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx - Due Diligence Vendor-04/28/2025 |  | Waived-Client provided a waiver with comp factors. Disaster took place on xxxxxx. Appraisal in file dated xxxxxx reports no damage - Due Diligence Vendor-04/30/2025 | Qualifying FICO score is at least 20 points above minimum for program - 805 FICO score is 20+ points above 680 minimum<br>Months Reserves exceed minimum required - 60 months reserves exceed 0 minimum required | Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 835758 | xxxxxx D B A C | Closed | xxxxxx | 2025-04-24 17:32 | 2025-04-28 09:15 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared within 120 days of Note | Resolved-added credit finding. - Due Diligence Vendor-04/28/2025 <br> Open-xxxxxx<br> Incident Period: xxxxxx<br> Major Disaster Declaration declared on xxxxxx - Due Diligence Vendor-04/24/2025 |  | Resolved-added credit finding. - Due Diligence Vendor-04/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 805 FICO score is 20+ points above 680 minimum<br>Months Reserves exceed minimum required - 60 months reserves exceed 0 minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835758 | xxxxxx D B A C | Closed | xxxxxx | 2025-04-24 17:40 | 2025-04-28 09:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-The guidelines do not require a cash out letter. - Due Diligence Vendor-04/28/2025 <br>Open-Missing letter of explanation for cash out - Due Diligence Vendor-04/24/2025 |  | Resolved-The guidelines do not require a cash out letter. - Due Diligence Vendor-04/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 805 FICO score is 20+ points above 680 minimum<br>Months Reserves exceed minimum required - 60 months reserves exceed 0 minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835777 | xxxxxx D B C A | Closed | xxxxxx | 2025-05-21 09:22 | 2025-06-05 08:09 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-06/05/2025 <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 $235.68.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). .....Zero (0%) tolerance fees increased by $235.68 (Points - Loan Discount Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $235.68, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is xxxxxx.<br> - Due Diligence Vendor-05/21/2025 |  | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-06/05/2025<br>| CLTV is less than guidelines maximum - Qualifying CLTV 56.18%; max 75%<br>Months Reserves exceed minimum required - 52.78 mths reserves; 6 mths required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835777 | xxxxxx D B C A | Closed | xxxxxx | 2025-05-22 12:06 | 2025-05-22 13:56 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing income documentation | Waived-Client exception in regards to allowing 1099 in borrower LLC. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-05/22/2025 <br> Open-Missing documentation reflecting all members and their ownership interest. Per xxxxxx Franchise Tax Account Status as of xxxxxx there is an additional member of the LLC receiving the 1099 earnings. Operating Agreement from xxxxxx received and does not include the additional member. PTIN letter is dated prior to the xxxxxx status. Additional findings may apply. <br> Lender Exception: "Allow the 1099 to be issued borrowers LLC vs 1099s must be issued to an individual and not a business." - Due Diligence Vendor-05/22/2025 |  | Waived-Client exception in regards to allowing 1099 in borrower LLC. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-05/22/2025<br>| CLTV is less than guidelines maximum - Qualifying CLTV 56.18%; max 75%<br>Months Reserves exceed minimum required - 52.78 mths reserves; 6 mths required. | Home Ownership >10 years<br> Credit Score > 10 points over min <br> LTV> 10% or more below Min | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 835779 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 835830 | xxxxxx C A | Closed | xxxxxx | 2025-05-08 15:24 | 2025-05-12 10:12 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-Upon further review, of the 5 pending litigation cases, the HOA is the plaintiff in 4 and insurance is covering the 5th. The 5th case is minor in nature and does not relate to the safety, structure or functionality of the project. - Due Diligence Vendor-05/12/2025 <br> Open-Reason for lawsuit: 5 Lawsuits Total – HOA is Plaintiff in 4 – Mainly to re-coup HOA Dues/Foreclosure – 1 Lawsuit involving "Targeted shooting" (Lawsuit #4 – Pg 308)<br> • Is it against the HOA or is the HOA filing the lawsuit: Lawsuit is against the HOA <br> • It is major or minor in nature: Minor<br> • Does it relate to safety, structural or functionality, NOT JUST the subject unit: NO<br> • Amount of lawsuit: Not disclosed <br> • Does the file contain a letter from an attn. or HOA stating lawsuit is covered by Insurance: Yes from Attorney – Pg 308<br> - Due Diligence Vendor-05/08/2025 |  | Resolved-Upon further review, of the 5 pending litigation cases, the HOA is the plaintiff in 4 and insurance is covering the 5th. The 5th case is minor in nature and does not relate to the safety, structure or functionality of the project. - Due Diligence Vendor-05/12/2025<br>| Months Reserves exceed minimum required - Reserves = 65 months – Required Reserves = 6 Months<br>Long term residence - Long Term Residence = 12 years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835833 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 835848 | xxxxxx D A | Closed | xxxxxx | 2025-04-29 20:55 | 2025-05-06 12:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-05/06/2025 <br>Ready for Review-Document Uploaded. UDN for co-borrower uploaded - Seller-05/05/2025 <br>Counter-Documentation received is insufficient-please provide Gap Credit for B2 - Due Diligence Vendor-05/01/2025 <br>Ready for Review-Document Uploaded. Credit supplements and LOE already provided. - Seller-04/30/2025 <br>Open-Borrower 2 Gap Credit Report is Missing Missing gap credit for co-borrower. - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. UDN for co-borrower uploaded - Seller-05/05/2025 <br> Ready for Review-Document Uploaded. Credit supplements and LOE already provided. - Seller-04/30/2025 | Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-05/06/2025<br>| On time mortgage history exceeds guideline requirement - Credit report reports on time mortgage history for last 36 months<br>Qualifying DTI below maximum allowed - DTI of 26.89% is less than the maximum allowed per guidelines of 50% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835863 | xxxxxx C A | Closed | xxxxxx | 2025-05-27 15:26 | 2025-06-02 10:15 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Received source of funds - Due Diligence Vendor-06/02/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-05/30/2025 <br> Open-Cash Out Does Not Meet Guideline Requirements Transaction is Delayed Financing. Missing statements from xxxxxx to document source of funds used to purchase subject property (large deposit on 1/06/25 into account ending in 9398 needs to be sourced) - Due Diligence Vendor-05/27/2025 |  | Resolved-Received source of funds - Due Diligence Vendor-06/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 726 is higher than the required 660<br>LTV is less than guideline maximum - LTV 39.22% is lower than maximum 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835922 | xxxxxx C A B | Closed | xxxxxx | 2025-05-14 09:40 | 2025-05-20 10:23 | Resolved | 1 - Information B A | Credit | Insurance | Flood Certification Date is greater than Note Date | Resolved-Property is not in a flood zone. flood cert received is dated after Note date. - Due Diligence Vendor-05/20/2025 <br> Counter-Documentation received is insufficient-flood cert received is dated after Note date. Original finding remains. - Due Diligence Vendor-05/19/2025 <br> Open-Flood Certification Date is greater than xxxxxx - Due Diligence Vendor-05/14/2025 |  | Resolved-Property is not in a flood zone. flood cert received is dated after Note date. - Due Diligence Vendor-05/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 784 and minimum allowed is 680.<br>CLTV is less than guidelines maximum - 74.42% < 85% allowed |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835922 | xxxxxx C A B | Closed | xxxxxx | 2025-05-14 10:17 | 2025-05-19 11:15 | Resolved | 1 - Information B A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received updated Fraud report. - Due Diligence Vendor-05/19/2025 <br>Open-OFAC Check Not Completed and/or Cleared for the Lender and the Underwriter. - Due Diligence Vendor-05/14/2025 |  | Resolved-Received updated Fraud report. - Due Diligence Vendor-05/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 784 and minimum allowed is 680.<br>CLTV is less than guidelines maximum - 74.42% < 85% allowed |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835922 | xxxxxx C A B | Closed | xxxxxx | 2025-05-12 08:34 | 2025-05-19 10:07 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD xxxxxx with correct disbursement date. - Due Diligence Vendor-05/19/2025 <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. -----Provide PCCD with disbursement date after the ROR expiration date. xxxxxx. - Due Diligence Vendor-05/12/2025 |  | Resolved-Received PCCD xxxxxx with correct disbursement date. - Due Diligence Vendor-05/19/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 784 and minimum allowed is 680.<br>CLTV is less than guidelines maximum - 74.42% < 85% allowed |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835925 | xxxxxx D A | Closed | xxxxxx | 2025-04-21 14:35 | 2025-05-01 11:31 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Lock provided confirming the lower CDA value was used. - Due Diligence Vendor-05/01/2025 <br> Counter-Please provide documentation to support as the approval dated xxxxxx in file is using the Appraised value. - Due Diligence Vendor-05/01/2025 <br> Counter-Seller Comments - We went off the lower value. I'm confused why we'd need anything else? The loan application just states the appraised value, however, it was locked with the lower value. - AUDIT RESPONSE - Please provide documentation to support as the approval dated xxxxxx in file is using the Appraised value.<br> - Due Diligence Vendor-04/30/2025 <br> Counter-Client Comments - I ran an edit to reflect the lower review value on xxxxxx it looks like. Pricing looks to be correct. - AUDIT Response - Loan closed using the higher value for qualification. A Field Review, BPO or a 2nd Full Appraisal is required. - Due Diligence Vendor-04/24/2025 <br> Open-The desk review in file reflects a value variance of -12% and the loan approval reflects the appraisal value was used to close the loan. Missing secondary valuation supporting the appraised value. - Due Diligence Vendor-04/21/2025 |  | Resolved-Lock provided confirming the lower CDA value was used. - Due Diligence Vendor-05/01/2025<br>| LTV is less than guideline maximum - LTV 60% LTV. Allowed 70%<br>Months Reserves exceed minimum required - 16 months reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835958 | xxxxxx D B A | Closed | xxxxxx | 2025-04-24 12:08 | 2025-04-28 16:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing an established escrow impound account for taxes and insurance. | Resolved-Loan is escrowed. - Due Diligence Vendor-04/28/2025 <br>Open-Lock confirmation indicates IEAD but not present - Due Diligence Vendor-04/24/2025 |  | Resolved-Loan is escrowed. - Due Diligence Vendor-04/28/2025<br>| Months Reserves exceed minimum required - Borrower has 19.8 months of reserves and only needs 2 months of reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 729 and minimum allowed is 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835958 | xxxxxx D B A | Closed | xxxxxx | 2025-04-25 10:21 | 2025-04-25 14:04 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted and in file, waiver applied with comp factors. (Non Mat-Lender approved exception with comp factors) - Due Diligence Vendor-04/25/2025 <br>Open-Housing History Does Not Meet Guideline Requirements . Missing Proof of borrower's payment for the most recent 6-months no lates is not supported by the VOM provided. Lender Exception request in file. Provide an lender Exception Approval. - Due Diligence Vendor-04/25/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. (Non Mat-Lender approved exception with comp factors) - Due Diligence Vendor-04/25/2025<br>| Months Reserves exceed minimum required - Borrower has 19.8 months of reserves and only needs 2 months of reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 729 and minimum allowed is 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 835964 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 835983 | xxxxxx D B A | Closed | xxxxxx | 2025-05-02 09:48 | 2025-05-06 10:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap report. - Due Diligence Vendor-05/06/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing borrower Gap Report. - Due Diligence Vendor-05/02/2025 |  | Resolved-Received Gap report. - Due Diligence Vendor-05/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 719 and minimum allowed is 680<br>LTV is less than guideline maximum - LTV is 43.23% and max allowed is 85% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835983 | xxxxxx D B A | Closed | xxxxxx | 2025-05-02 10:02 | 2025-05-02 14:41 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed immaterial almost 6 month from purchase date, low LTV. - Due Diligence Vendor-05/06/2025 <br> Open-Cash Out Does Not Meet Guideline Requirements Subject loan does not meet cash out seasoning requirements.Minimum borrower seasoning requirement of six (6) months is required. Subject purchased home on xxxxxx , which is 5 months and 29 days from the application deed. Lender exception to proceed with cash-out CES using the subject's appraisal value in lieu of the prior purchase price. - Due Diligence Vendor-05/02/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed immaterial almost 6 month from purchase date, low LTV. - Due Diligence Vendor-05/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 719 and minimum allowed is 680<br>LTV is less than guideline maximum - LTV is 43.23% and max allowed is 85% | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Credit Score 20 points > minimum required<br>| QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 835988 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 835993 | xxxxxx D A | Closed | xxxxxx | 2025-05-04 14:57 | 2025-05-08 11:20 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation product. - Due Diligence Vendor-05/08/2025 <br>Open-Additional valuation product has not been provided. An appraisal review product (secondary valuation) is required on every loan file. Missing secondary valuation to support AVM value. - Due Diligence Vendor-05/05/2025 |  | Resolved-Received secondary valuation product. - Due Diligence Vendor-05/08/2025<br>| CLTV is less than guidelines maximum - Guidelines allow CLTV to 85%. Subject loan CLTV is 69.69%.<br>Qualifying DTI below maximum allowed - DTI of 43.87% is less than the maximum allowed per guidelines of 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835993 | xxxxxx D A | Closed | xxxxxx | 2025-05-01 14:11 | 2025-05-07 10:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received lender attestation to no affiliates. Finding resolved. - Due Diligence Vendor-05/07/2025 <br>Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-05/01/2025 |  | Resolved-Received lender attestation to no affiliates. Finding resolved. - Due Diligence Vendor-05/07/2025<br>| CLTV is less than guidelines maximum - Guidelines allow CLTV to 85%. Subject loan CLTV is 69.69%.<br>Qualifying DTI below maximum allowed - DTI of 43.87% is less than the maximum allowed per guidelines of 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836029 | xxxxxx C B A | Closed | xxxxxx | 2025-06-23 10:50 | 2025-06-30 08:51 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National but ACH form is not in file | Resolved-Received complete ACH form. - Due Diligence Vendor-06/30/2025 <br>Open-Foreign National but the ACH form is Missing from file. Automatic Payment Authorization (ACH) Form is required for all foreign national borrowers - Due Diligence Vendor-06/24/2025 |  | Resolved-Received complete ACH form. - Due Diligence Vendor-06/30/2025<br>| Months Reserves exceed minimum required - 24 months available vs. 0 required<br>Long term residence - 7 years in primary home |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836029 | xxxxxx C B A | Closed | xxxxxx | 2025-06-24 11:51 | 2025-06-24 12:07 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client exception granted to exclude ITIN, Non-material waiver applied with comp factors. non-material due to ITIN number that was required when the two investment properties were purchased. Foreign National residence is in xxxxxx. ITIN was not utilized for the transaction. - Due Diligence Vendor-06/24/2025 <br> Open-B1 is Foreign National and has ITIN. Per guides ITIN is not allowed. Borrower has an ITIN number that was required when the two investment properties were purchased. Her primary residence is in xxxxxx. A credit report was pulled with her ITIN number, but the credit is too old to score. VOM's are included for the<br> mortgage on each property. ITIN was not utilized for the transaction. - Due Diligence Vendor-06/24/2025 |  | Waived-Client exception granted to exclude ITIN, Non-material waiver applied with comp factors. non-material due to ITIN number that was required when the two investment properties were purchased. Foreign National residence is in xxxxxx. ITIN was not utilized for the transaction. - Due Diligence Vendor-06/24/2025 | Months Reserves exceed minimum required - 24 months available vs. 0 required<br>Long term residence - 7 years in primary home | Subject property home ownership > 5 years<br> Reserves exceed requirement by 6 months or more<br>| ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 836072 | xxxxxx C A | Closed | xxxxxx | 2025-04-29 14:32 | 2025-05-07 10:49 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National but ACH form is not in file | Resolved-Received ACH. - Due Diligence Vendor-05/07/2025 <br>Open-Foreign National but the ACH form is Missing from file. MISSING ACH FORM. PER GUIDES PG11: Automatic Payment Authorization (ACH) Form is required for all foreign national borrowers. - Due Diligence Vendor-04/29/2025 |  | Resolved-Received ACH. - Due Diligence Vendor-05/07/2025<br>| Months Reserves exceed minimum required - 32.2mos reserves. Per guides, no reserves required.<br>LTV is less than guideline maximum - Borr LTV 50%. Per guides, maximum LTV 75%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 836100 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 836124 | xxxxxx D A | Closed | xxxxxx | 2025-04-24 09:49 | 2025-05-02 15:02 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Affidavit. - Due Diligence Vendor-05/02/2025 <br>Ready for Review-Document Uploaded. - Seller-05/01/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Missing business Purpose disclosure. - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. - Seller-05/01/2025 | Resolved-Received Business Purpose Affidavit. - Due Diligence Vendor-05/02/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.137 ; minimum is 0.0.<br>Months Reserves exceed minimum required - 106.11 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 836127 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836145 | xxxxxx C A | Closed | xxxxxx | 2025-04-30 05:13 | 2025-05-07 10:44 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National but ACH form is not in file | Resolved-Received ACH. - Due Diligence Vendor-05/07/2025 <br>Open-Foreign National but the ACH form is Missing from file. Missing ACH form. - Due Diligence Vendor-04/30/2025 |  | Resolved-Received ACH. - Due Diligence Vendor-05/07/2025<br>| LTV is less than guideline maximum - LTV 65% LTV. Allowed 75%<br>Long term residence - 12 Years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 836153 | xxxxxx D A C | Closed | xxxxxx | 2025-05-22 09:33 | 2025-06-04 11:12 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received confirmation of correct security instrument used. - Due Diligence Vendor-06/04/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Mortgage Document is for an Open-End Mortgage. Transaction is a Closed End Second. - Due Diligence Vendor-05/22/2025 |  | Resolved-Received confirmation of correct security instrument used. - Due Diligence Vendor-06/04/2025<br>| CLTV is less than guidelines maximum - Qualifying CLTV 61.86%; max 85%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 820; minimum required 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836153 | xxxxxx D A C | Closed | xxxxxx | 2025-05-20 13:54 | 2025-05-29 10:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received attestation that lender has no affiliates. - Due Diligence Vendor-05/29/2025 <br>Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt.<br> - Due Diligence Vendor-05/20/2025 |  | Resolved-Received attestation that lender has no affiliates. - Due Diligence Vendor-05/29/2025<br>| CLTV is less than guidelines maximum - Qualifying CLTV 61.86%; max 85%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 820; minimum required 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836203 | xxxxxx D A | Closed | xxxxxx | 2025-04-25 09:23 | 2025-05-01 12:28 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-05/01/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing verification of taxes, insurance, and/or HOA fees for non-subject property xxxxxx - Due Diligence Vendor-04/25/2025 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-05/01/2025<br>| Months Reserves exceed minimum required - 40 months reserves exceed 0 month minimum <br>Qualifying FICO score is at least 20 points above minimum for program - 731 FICO is 20+ points above 680 minimum |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836203 | xxxxxx D A | Closed | xxxxxx | 2025-04-24 15:50 | 2025-05-01 12:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received confirmation no HOA PITIA validated. - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. Please see page 288 of the Credit Package. Mortgage Statement, xxxxxx shows Escrows for Taxes and Insurance. And the attached validates No HOA. - Buyer-04/30/2025 <br> Counter-Documentation is insufficient-Missing verification of taxes, insurance, and/or HOA fees for non-subject property xxxxxx (corrected). Revised final 1003 does not reflect property confirm borrower has no ownership or add and validate PITIA. - Due Diligence Vendor-04/29/2025 <br> Open-Missing verification of taxes, insurance, and/or HOA fees for non-subject property xxxxxx<br> - Due Diligence Vendor-04/24/2025 |  | Resolved-Received confirmation no HOA PITIA validated. - Due Diligence Vendor-05/01/2025<br>| Months Reserves exceed minimum required - 40 months reserves exceed 0 month minimum <br>Qualifying FICO score is at least 20 points above minimum for program - 731 FICO is 20+ points above 680 minimum |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836203 | xxxxxx D A | Closed | xxxxxx | 2025-04-23 12:41 | 2025-04-29 11:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received corrected 1003 confirming borrower xxxxxx Citizen. - Due Diligence Vendor-04/29/2025 <br> Open-Borrower Citizenship Documentation Is Missing - per 1003 borrower is a permanent resident alien - Due Diligence Vendor-04/24/2025 |  | Resolved-Received corrected 1003 confirming borrower xxxxxx Citizen. - Due Diligence Vendor-04/29/2025 | Months Reserves exceed minimum required - 40 months reserves exceed 0 month minimum <br>Qualifying FICO score is at least 20 points above minimum for program - 731 FICO is 20+ points above 680 minimum |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836210 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836213 | xxxxxx C A | Closed | xxxxxx | 2025-05-06 08:14 | 2025-05-08 16:49 | 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-05/08/2025 <br> Ready for Review-Document Uploaded. - Seller-05/07/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Loan amount should be xxxxxx. - Due Diligence Vendor-05/06/2025 | Ready for Review-Document Uploaded. - Seller-05/07/2025 | Resolved-Received revised commitment w/sufficient coverage. - Due Diligence Vendor-05/08/2025<br>| Months Reserves exceed minimum required - 11 mos reserves; 2 mos required<br>LTV is less than guideline maximum - 51.7% LTV; 70% max<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 754; minimum score 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 836216 | xxxxxx B A | Closed | xxxxxx | 2025-05-01 07:23 | 2025-05-02 09:41 | Waived | 2 - Non-Material B | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Waived-Client waiver applied to non material finding with comp factors - Due Diligence Vendor-07/10/2025 <br>Open-Missing Approval/Underwriting Summary Missing Approval/1008 - Due Diligence Vendor-05/01/2025 |  | Waived-Client waiver applied to non material finding with comp factors - Due Diligence Vendor-07/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min 680, actual 773.<br>CLTV is less than guidelines maximum - Guide CLTV max 90%, actual 54% |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 836219 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 836220 | xxxxxx C A | Closed | xxxxxx | 2025-04-25 14:20 | 2025-04-30 13:57 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Loan is interest only DSCR is now over 1, min LTV is 70% - Due Diligence Vendor-04/28/2025 <br>Open-Audited LTV of 70% exceeds Guideline LTV of 65% - Due Diligence Vendor-04/25/2025 |  | Resolved-Loan is interest only DSCR is now over 1, min LTV is 70% - Due Diligence Vendor-04/28/2025<br>| Months Reserves exceed minimum required - 7.32 months reserve exceed required 6 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 836237 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836277 | xxxxxx D A | Closed | xxxxxx | 2025-05-16 08:11 | 2025-05-22 13:27 | Resolved | 1 - Information B A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-The non-borrowing spouse is not required to be added tot he fraud report. Exclusionary list searches provided. - Due Diligence Vendor-05/22/2025 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Borrower's non-borrowing spouse not reflected on report - Due Diligence Vendor-05/16/2025 |  | Resolved-The non-borrowing spouse is not required to be added tot he fraud report. Exclusionary list searches provided. - Due Diligence Vendor-05/22/2025<br>| On time mortgage history exceeds guideline requirement - 0x30 for 12 months, actual 0x30 for 99 months reviewed<br>Qualifying FICO score is at least 20 points above minimum for program - Min 720, actual 752<br>CLTV is less than guidelines maximum - Max 80%, actual 48.71% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836277 | xxxxxx D A | Closed | xxxxxx | 2025-05-16 07:52 | 2025-05-21 10:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received complete policy. - Due Diligence Vendor-05/21/2025 <br>Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided The HOI premium was not found in loan file-used lender figure - Due Diligence Vendor-05/16/2025 |  | Resolved-Received complete policy. - Due Diligence Vendor-05/21/2025<br>| On time mortgage history exceeds guideline requirement - 0x30 for 12 months, actual 0x30 for 99 months reviewed<br>Qualifying FICO score is at least 20 points above minimum for program - Min 720, actual 752<br>CLTV is less than guidelines maximum - Max 80%, actual 48.71% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836281 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 836286 | xxxxxx D B A | Closed | xxxxxx | 2025-05-28 13:13 | 2025-06-09 11:40 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client provided a waiver for complete housing history validation on REOs, applied to non material finding with comp factors - Due Diligence Vendor-06/09/2025 <br> Counter-Please upload received exception. - Due Diligence Vendor-06/06/2025 <br> Ready for Review-The request for an exception to Client's eligibility criteria is granted. - Buyer-06/06/2025 <br> Counter-Received duplicate documentation-credit report reflects dla xxxxxx-need confirmation mortgage payments made 2/2025-4/2025. - Due Diligence Vendor-06/04/2025 <br> Counter-Documentation received is insufficient-original finding remains. - Due Diligence Vendor-06/02/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing verification lien attached to REO xxxxxx was paid current through the month of funding. - Due Diligence Vendor-05/28/2025 |  | Waived-Client provided a waiver for complete housing history validation on REOs, applied to non material finding with comp factors - Due Diligence Vendor-06/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 793; minimum required 660<br>LTV is less than guideline maximum - Qualifying LTV 75%; max 80% | Credit Score 30+ points > minimum required<br> LTV/CLTV 5% or more below the maximum allowed under applicable guidelines <br> Residual income more than 1.5x the amount required by guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 836286 | xxxxxx D B A | Closed | xxxxxx | 2025-05-28 12:30 | 2025-06-06 11:17 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property/Appraisal General (Credit) | Waived-Client provided a waiver for <12 months PITIA reserves, applied to non material finding with comp factors - Due Diligence Vendor-06/06/2025 <br> Ready for Review-The request for an exception to Client's eligibility criteria is granted. - Buyer-06/06/2025 <br> Open-Received note indicating higher HOA to be considered along with revised 1008/1003. Increase in HOA has impacted available reserves-11.76 verified and 12 months PITIA required. - Due Diligence Vendor-06/02/2025  |  | Waived-Client provided a waiver for <12 months PITIA reserves, applied to non material finding with comp factors - Due Diligence Vendor-06/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 793; minimum required 660<br>LTV is less than guideline maximum - Qualifying LTV 75%; max 80% | Credit Score 30+ points > minimum required<br> LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> Residual income more than 1.5x the amount required by guidelines<br>| QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 836286 | xxxxxx D B A | Closed | xxxxxx | 2025-05-28 13:16 | 2025-06-02 10:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received property profile confirming sale date. - Due Diligence Vendor-06/02/2025 <br> Open-Third Party Fraud Report Partially Provided Missing evidence property at xxxxxx sold. Letter of explanation only received. - Due Diligence Vendor-05/28/2025 |  | Resolved-Received property profile confirming sale date. - Due Diligence Vendor-06/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 793; minimum required 660<br>LTV is less than guideline maximum - Qualifying LTV 75%; max 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836314 | xxxxxx C A | Closed | xxxxxx | 2025-05-22 11:07 | 2025-06-02 14:41 | Resolved | 1 - Information C A | Credit | Eligibility | xxxxxx Foreign National Affidavit is missing or incomplete | Resolved-Received xxxxxx FN Affidavit. - Due Diligence Vendor-06/02/2025 <br> Ready for Review-Document Uploaded. xxxxxx FN affidavit. Manual upload. - Buyer-06/02/2025 <br> Open-xxxxxx Foreign National Affidavit is Missing or Incomplete. - Due Diligence Vendor-05/22/2025 |  | Resolved-Received xxxxxx FN Affidavit. - Due Diligence Vendor-06/02/2025 | LTV is less than guideline maximum - 60% vs. 70% for Foreign National DSCR <1.0<br>Months Reserves exceed minimum required - 37 months vs. 0 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 836315 | xxxxxx C A | Closed | xxxxxx | 2025-05-12 10:08 | 2025-05-13 12:26 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Less Than 2 Months Verified | Resolved-Total of 3 months statements provided. - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. - Seller-05/12/2025 <br> Ready for Review-Document Uploaded. - Seller-05/12/2025 <br> Open-Asset 3 Less Than 2 Months Verified File is missing full second month statement for Acct xxxxxx - Due Diligence Vendor-05/12/2025 | Ready for Review-Document Uploaded. - Seller-05/12/2025 <br> Ready for Review-Document Uploaded. - Seller-05/12/2025 | Resolved-Total of 3 months statements provided. - Due Diligence Vendor-05/13/2025<br>| Months Reserves exceed minimum required - Reserves = 65 months – Required Reserves = 6 Months<br>LTV is less than guideline maximum - LTV = 70% - Max LTV = 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 836315 | xxxxxx C A | Closed | xxxxxx | 2025-05-12 10:08 | 2025-05-13 12:26 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Less Than 2 Months Verified | Resolved-Received statements from Nov 2025 through April 2025. - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. - Seller-05/12/2025 <br> Ready for Review-Document Uploaded. - Seller-05/12/2025 <br> Open-Asset 4 Less Than 2 Months Verified File is missing full second month statement for Acct xxxxxx - Due Diligence Vendor-05/12/2025 | Ready for Review-Document Uploaded. - Seller-05/12/2025 <br> Ready for Review-Document Uploaded. - Seller-05/12/2025 | Resolved-Received statements from Nov 2025 through April 2025. - Due Diligence Vendor-05/13/2025<br>| Months Reserves exceed minimum required - Reserves = 65 months – Required Reserves = 6 Months<br>LTV is less than guideline maximum - LTV = 70% - Max LTV = 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 836316 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 836330 | xxxxxx C A | Closed | xxxxxx | 2025-05-05 14:06 | 2025-05-07 11:59 | Resolved | 1 - Information C A | Credit | Debt | Missing proof of liability not disclosed on credit report | Resolved-Received credit report disclosing the two liabilities. - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. Attached shown on credit report page 6 for acct xxxxxx, 2nd attach shown on credit report on page 4 - Seller-05/06/2025 <br> Open-Two liabilities are included on final 1003 that are not documented and do not appear on the credit report. Section 2c on Final 1003 Revolving Acct xxxxxx and Revolving Acct xxxxxx - Due Diligence Vendor-05/05/2025 | Ready for Review-Document Uploaded. Attached shown on credit report page 6 for acct xxxxxx, 2nd attach shown on credit report on page 4 - Seller-05/06/2025 | Resolved-Received credit report disclosing the two liabilities. - Due Diligence Vendor-05/07/2025<br>| Months Reserves exceed minimum required - Guides do not require any reserves and the borrower has 14 months. <br>Qualifying DTI below maximum allowed - Qualifying DTI 22.86% is less than the guideline max of 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836348 | xxxxxx B A | Closed | xxxxxx | 2025-05-29 10:55 | 2025-05-30 15:04 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved------ Compliant xxxxxx Subprime- APR on subject loan of 9.524% is within allowable threshold of APOR of 6.74% + 3.75% or 10.49%. - - Due Diligence Vendor-05/30/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR - Due Diligence Vendor-05/30/2025 |  | Resolved------ Compliant xxxxxx Subprime- APR on subject loan of 9.524% is within allowable threshold of APOR of 6.74% + 3.75% or 10.49%. - - Due Diligence Vendor-05/30/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 741 minimum score 680.<br>On time mortgage history exceeds guideline requirement - 0x30 on time mortgage housing history. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836348 | xxxxxx B A | Closed | xxxxxx | 2025-05-29 09:59 | 2025-05-29 11:56 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings. - Due Diligence Vendor-05/29/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings. - Due Diligence Vendor-05/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 741 minimum score 680.<br>On time mortgage history exceeds guideline requirement - 0x30 on time mortgage housing history. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 836350 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836353 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 836356 | xxxxxx D A C | Closed | xxxxxx | 2025-05-21 14:27 | 2025-05-30 11:06 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received OFAC clearance. - Due Diligence Vendor-05/30/2025 <br>Open-OFAC Check Not Completed and/or Cleared for the underwriter and processor. - Due Diligence Vendor-05/21/2025 |  | Resolved-Received OFAC clearance. - Due Diligence Vendor-05/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 756 and minimum allowed is 680.<br>LTV is less than guideline maximum - LTV is 70% and max allowed is 90%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836356 | xxxxxx D A C | Closed | xxxxxx | 2025-05-20 11:54 | 2025-05-30 08:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received attestation letter that lender has no affiliates. - Due Diligence Vendor-05/30/2025 <br>Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt.<br>- Due Diligence Vendor-05/20/2025 |  | Resolved-Received attestation letter that lender has no affiliates. - Due Diligence Vendor-05/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 756 and minimum allowed is 680.<br>LTV is less than guideline maximum - LTV is 70% and max allowed is 90%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836356 | xxxxxx D A C | Closed | xxxxxx | 2025-05-21 13:55 | 2025-05-23 10:35 | Resolved | 1 - Information C A | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Resolved-Upon further review, the loan file contained all required variance documentation. - Due Diligence Vendor-05/23/2025 <br>Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Per guidelines , No rural properties - Due Diligence Vendor-05/21/2025 |  | Resolved-Upon further review, the loan file contained all required variance documentation. - Due Diligence Vendor-05/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 756 and minimum allowed is 680.<br>LTV is less than guideline maximum - LTV is 70% and max allowed is 90%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836367 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 836372 | xxxxxx B A | Closed | xxxxxx | 2025-05-08 16:55 | 2025-05-19 13:14 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/09/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO of 815 is higher than the minimum FICO required of 680<br>Qualifying DTI below maximum allowed - DTI of 36.41% is less than the maximum allowed per guidelines of 50% |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 836391 | xxxxxx D A C | Closed | xxxxxx | 2025-05-07 17:06 | 2025-06-03 13:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Document Uploaded. Proof no open liens on the property provided. - Due Diligence Vendor-06/03/2025 <br> Counter-Documentation is insufficient-provide confirmation property is free and clear. Original finding remains. - Due Diligence Vendor-05/30/2025 <br> Open-Missing proof that departure residence is owned free and clear (satisfaction of mortgage with clear title search). VOM stating property was gifted does not suffice. In addition, the HOI dated xxxxxx shows a mortgagee that differs from the parent's name. Additional conditions may apply - Due Diligence Vendor-05/07/2025 |  | Resolved-Document Uploaded. Proof no open liens on the property provided. - Due Diligence Vendor-06/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 704, guideline minimum is 660.<br>Months Reserves exceed minimum required - Verified reserves equal 10.41 months, guideline minimum 6 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 836391 | xxxxxx D A C | Closed | xxxxxx | 2025-05-05 18:38 | 2025-05-07 17:15 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Lender credit in the amount of $350.56 was issued on CD xxxxxx for increase in fee above legal limit. Resolved - Due Diligence Vendor-05/07/2025 <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 $350.56.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). -----Lender credit in the amount of $350.56 was issued on CD xxxxxx for increase in fee above legal limit. Resolved - Due Diligence Vendor-05/05/2025 |  | Resolved------Lender credit in the amount of $350.56 was issued on CD xxxxxx for increase in fee above legal limit. Resolved - Due Diligence Vendor-05/07/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 704, guideline minimum is 660.<br>Months Reserves exceed minimum required - Verified reserves equal 10.41 months, guideline minimum 6 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 836426 | xxxxxx C A | Closed | xxxxxx | 2025-06-02 20:18 | 2025-06-12 08:23 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received LE xxxxxx and COC xxxxxx. - Due Diligence Vendor-06/12/2025 <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 $55.95.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). -----Zero (0%) tolerance fees increased by $55.95 (Verification of Employment) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $55.95, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is xxxxxx. - Due Diligence Vendor-06/03/2025 |  | Resolved-Received LE xxxxxx and COC xxxxxx. - Due Diligence Vendor-06/12/2025 | Months Reserves exceed minimum required - Months reserves required is 6; qualifying reserves is 9.22 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO Is 686. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 836426 | xxxxxx C A | Closed | xxxxxx | 2025-06-02 20:18 | 2025-06-12 08:22 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received PCCD xxxxxx with updated fees. - Due Diligence Vendor-06/12/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($205.00) exceed the comparable charges ($160.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees (Recording Fee) increased by $45 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $205, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is xxxxxx. - Due Diligence Vendor-06/03/2025 |  | Resolved-Received PCCD xxxxxx with updated fees. - Due Diligence Vendor-06/12/2025 | Months Reserves exceed minimum required - Months reserves required is 6; qualifying reserves is 9.22 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO Is 686. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 836458 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 836559 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 836581 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 836586 | xxxxxx D B A | Closed | xxxxxx | 2025-05-15 13:09 | 2025-05-15 13:11 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Upon further review, CU score in file is 2.1 - Due Diligence Vendor-05/15/2025 <br>Open-Secondary valuation required on all products - Due Diligence Vendor-05/15/2025 |  | Resolved-Upon further review, CU score in file is 2.1 - Due Diligence Vendor-05/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 721. Per guides, minimum score required 680.<br>Months Reserves exceed minimum required - 10.4mos reserves. Per guides, 0 reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836586 | xxxxxx D B A | Closed | xxxxxx | 2025-05-12 15:53 | 2025-05-12 15:53 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings. - Due Diligence Vendor-05/12/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings. - Due Diligence Vendor-05/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 721. Per guides, minimum score required 680.<br>Months Reserves exceed minimum required - 10.4mos reserves. Per guides, 0 reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 836592 | xxxxxx D A C | Closed | xxxxxx | 2025-05-21 15:34 | 2025-06-02 10:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Received flood cert confirming not in flood zone. - Due Diligence Vendor-06/02/2025 <br>Open-Missing Flood Certificate - Due Diligence Vendor-05/21/2025 |  | Resolved-Received flood cert confirming not in flood zone. - Due Diligence Vendor-06/02/2025<br>| Months Reserves exceed minimum required - Guidelines require 3 months of reserves. Qualifying reserves are 309 months.<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying FICO score 774. Per guides, minimum score required 660. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836592 | xxxxxx D A C | Closed | xxxxxx | 2025-05-20 06:48 | 2025-06-02 08:38 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Loan Disclosures Assumption incomplete or inaccurate | Resolved-Received executed CD xxxxxx with full Loan Disclosure boxes checked. - Due Diligence Vendor-06/02/2025 <br> Open------Final CD xxxxxx is Loan Disclosures section is incomplete/not legible. - Due Diligence Vendor-05/20/2025 |  | Resolved-Received executed CD xxxxxx with full Loan Disclosure boxes checked. - Due Diligence Vendor-06/02/2025 | Months Reserves exceed minimum required - Guidelines require 3 months of reserves. Qualifying reserves are 309 months.<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying FICO score 774. Per guides, minimum score required 660. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836595 | xxxxxx D B A C | Closed | xxxxxx | 2025-06-17 12:19 | 2025-06-26 10:04 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC xxxxxx, transfer taxes increase. Lender credit in file for increase in closing costs above legal limit, $59.00. - Due Diligence Vendor-06/26/2025 <br> Open- - Due Diligence Vendor-06/26/2025 <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 $606.84.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). -----Zero (0%) tolerance fees increased by $606.84 (credit report and transfer tax) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $606.84, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is xxxxxx.<br> - Due Diligence Vendor-06/17/2025 |  | Resolved-Received COC xxxxxx, transfer taxes increase. Lender credit in file for increase in closing costs above legal limit, $59.00. - Due Diligence Vendor-06/26/2025 | Qualifying DTI below maximum allowed - 8.98% vs. 50% DTI max<br>Months Reserves exceed minimum required - 30 months vs. 3 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 836595 | xxxxxx D B A C | Closed | xxxxxx | 2025-06-20 14:20 | 2025-06-26 09:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received front and back of EAD cards for both borrowers. - Due Diligence Vendor-06/26/2025 <br>Open-Missing a copy of the backs of Borrower 1 and Borrower 2's EAD cards - Due Diligence Vendor-06/20/2025 |  | Resolved-Received front and back of EAD cards for both borrowers. - Due Diligence Vendor-06/26/2025<br>| Qualifying DTI below maximum allowed - 8.98% vs. 50% DTI max<br>Months Reserves exceed minimum required - 30 months vs. 3 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 836595 | xxxxxx D B A C | Closed | xxxxxx | 2025-06-20 13:21 | 2025-06-23 10:45 | Resolved | 1 - Information C A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Not required per notes. - Due Diligence Vendor-06/23/2025 <br>Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-06/20/2025 |  | Resolved-Not required per notes. - Due Diligence Vendor-06/23/2025<br>| Qualifying DTI below maximum allowed - 8.98% vs. 50% DTI max<br>Months Reserves exceed minimum required - 30 months vs. 3 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 836595 | xxxxxx D B A C | Closed | xxxxxx | 2025-06-20 13:21 | 2025-06-23 10:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Not required per notes. - Due Diligence Vendor-06/23/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-06/20/2025 |  | Resolved-Not required per notes. - Due Diligence Vendor-06/23/2025<br>| Qualifying DTI below maximum allowed - 8.98% vs. 50% DTI max<br>Months Reserves exceed minimum required - 30 months vs. 3 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 836595 | xxxxxx D B A C | Closed | xxxxxx | 2025-06-17 12:01 | 2025-06-17 12:01 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-06/17/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-06/17/2025<br>| Qualifying DTI below maximum allowed - 8.98% vs. 50% DTI max<br>Months Reserves exceed minimum required - 30 months vs. 3 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 836605 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836618 | xxxxxx D A | Closed | xxxxxx | 2025-05-15 11:44 | 2025-05-23 10:45 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received final policy reflecting sufficient coverage. - Due Diligence Vendor-05/23/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than the Loan Amount. Missing Title coverage on title. - Due Diligence Vendor-05/15/2025 |  | Resolved-Received final policy reflecting sufficient coverage. - Due Diligence Vendor-05/23/2025<br>| Months Reserves exceed minimum required - Qualifying reserves 18 months; minimum required NONE<br>Qualifying DTI below maximum allowed - Qualifying DTI 43.40%; max 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836618 | xxxxxx D A | Closed | xxxxxx | 2025-05-14 16:14 | 2025-05-23 10:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh - Due Diligence Vendor-05/23/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Gap Credit Report is Missing for both borrowers. - Due Diligence Vendor-05/14/2025 |  | Resolved-Received credit refresh - Due Diligence Vendor-05/23/2025<br>| Months Reserves exceed minimum required - Qualifying reserves 18 months; minimum required NONE<br>Qualifying DTI below maximum allowed - Qualifying DTI 43.40%; max 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836632 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836643 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836666 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 836672 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836677 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 836682 | xxxxxx D A | Closed | xxxxxx | 2025-05-01 10:38 | 2025-05-07 10:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Required forms/disclosures missing | Resolved-Upon further review, an escrow account was set up. - Due Diligence Vendor-05/07/2025 <br>Ready for Review-Document Uploaded. N/A - Please see attached final settlement statement lines 1000 - 1004 - an escrow account was set up and impounds were collected at closing. - Buyer-05/07/2025 <br>Open-Missing escrow waiver - Due Diligence Vendor-05/01/2025 |  | Resolved-Upon further review, an escrow account was set up. - Due Diligence Vendor-05/07/2025<br>| Months Reserves exceed minimum required - Min 3 months, actual 22.79 months<br>LTV is less than guideline maximum - Max 75%, actual 63.79%<br>Qualifying FICO score is at least 20 points above minimum for program - Min 660, actual 702 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 836765 | xxxxxx D A | Closed | xxxxxx | 2025-05-23 08:25 | 2025-06-12 10:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received rent free letter. - Due Diligence Vendor-06/12/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. B1 currently living rent free. Missing rent free letter. Per guides rent free permitted with letter of explanation. - Due Diligence Vendor-05/23/2025 |  | Resolved-Received rent free letter. - Due Diligence Vendor-06/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 709 FICO, 680 required<br>Months Reserves exceed minimum required - 14 months reserves documented, 3 months required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 836772 | xxxxxx D A | Closed | xxxxxx | 2025-05-14 15:36 | 2025-05-16 10:50 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received desk review. - Due Diligence Vendor-05/16/2025 <br>Ready for Review-Document Uploaded. CDA uploaded - Seller-05/15/2025 <br>Open-AVM in file does not meet guideline requirement of FSD score 0-.13. Guides require enhanced field or desk review or second full appraisal. CU in file is not acceptable as secondary valuation when AVM does not meet guideline requirement. - Due Diligence Vendor-05/14/2025 | Ready for Review-Document Uploaded. CDA uploaded - Seller-05/15/2025 | Resolved-Received desk review. - Due Diligence Vendor-05/16/2025<br>| CLTV is less than guidelines maximum - Qualifying CLTV 69.35 is less than the guideline max of 85.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 736 is more than 20 points higher than the guideline min of 680. |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836811 | xxxxxx C B A | Closed | xxxxxx | 2025-05-20 11:44 | 2025-05-30 11:28 | 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-05/30/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing Legal Description - Due Diligence Vendor-05/20/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-05/30/2025<br>| LTV is less than guideline maximum - 80% LTV allowed, subject 51.28% LTV <br>Months Reserves exceed minimum required - 6 months required, subject 103 months verified. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 836811 | xxxxxx C B A | Closed | xxxxxx | 2025-05-20 12:06 | 2025-05-21 10:59 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings.<br>- Due Diligence Vendor-05/20/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings.<br>- Due Diligence Vendor-05/20/2025<br>| LTV is less than guideline maximum - 80% LTV allowed, subject 51.28% LTV <br>Months Reserves exceed minimum required - 6 months required, subject 103 months verified. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 836813 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 836851 | xxxxxx D B A | Closed | xxxxxx | 2025-04-28 13:13 | 2025-05-01 13:19 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received Desk Review supporting the appraised value. - Due Diligence Vendor-05/01/2025 <br>Ready for Review-Document Uploaded. Uploaded - Seller-04/30/2025 <br>Open-Missing secondary valuation per guidelines. CU in file has a score greater than 2.5. - Due Diligence Vendor-04/28/2025 | Ready for Review-Document Uploaded. Uploaded - Seller-04/30/2025 | Resolved-Received Desk Review supporting the appraised value. - Due Diligence Vendor-05/01/2025<br>| CLTV is less than guidelines maximum - 79.67% < 90% max<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 780 and minimum allowed is 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836851 | xxxxxx D B A | Closed | xxxxxx | 2025-03-25 08:03 | 2025-03-28 07:56 | Waived | 2 - Non-Material D B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Received lender attestation of no affiliates. Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/28/2025 <br>Ready for Review-Document Uploaded. - Seller-03/27/2025 <br>Open-Required Affiliated Business Disclosure Missing -----Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. - Seller-03/27/2025 | Waived-Received lender attestation of no affiliates. Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/28/2025<br>| CLTV is less than guidelines maximum - 79.67% < 90% max<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 780 and minimum allowed is 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 836854 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 836855 | xxxxxx D A | Closed | xxxxxx | 2025-06-11 22:27 | 2025-06-17 10:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Received copy of 1st lien Note. - Due Diligence Vendor-06/17/2025 <br>Open-Missing copy of 1st lien Note. - Due Diligence Vendor-06/12/2025 |  | Resolved-Received copy of 1st lien Note. - Due Diligence Vendor-06/17/2025<br>| Months Reserves exceed minimum required - 41 mos reserves. Per guides, no reserves required <br>Qualifying FICO score is at least 20 points above minimum for program - 705 score exceeds 680 minimum. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836855 | xxxxxx D A | Closed | xxxxxx | 2025-06-11 22:12 | 2025-06-17 10:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-06/17/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing Gap report/UDM for borrower 1 and 2. - Due Diligence Vendor-06/12/2025 |  | Resolved-Received credit refresh. - Due Diligence Vendor-06/17/2025<br>| Months Reserves exceed minimum required - 41 mos reserves. Per guides, no reserves required <br>Qualifying FICO score is at least 20 points above minimum for program - 705 score exceeds 680 minimum. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836879 | xxxxxx D A | Closed | xxxxxx | 2025-05-30 08:52 | 2025-06-09 11:44 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Received prepay addendum to Note. - Due Diligence Vendor-06/09/2025 <br>Ready for Review-Document Uploaded. Please see Prepayment Addendum to the Note. - Buyer-06/06/2025 <br>Counter-Received prepayment rider to security instrument-missing prepayment addendum to Note. - Due Diligence Vendor-06/04/2025 <br>Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '36' Diligence value '0'. There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '36' Diligence value '0'. - Due Diligence Vendor-06/02/2025 |  | Resolved-Received prepay addendum to Note. - Due Diligence Vendor-06/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 758 and minimum allowed is 680<br>Months Reserves exceed minimum required - Borrower has 78.74 months of reserves and only needs 6 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 836879 | xxxxxx D A | Closed | xxxxxx | 2025-05-30 08:54 | 2025-06-04 11:47 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received prepayment rider. - Due Diligence Vendor-06/04/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing PPP rider - Due Diligence Vendor-05/30/2025 |  | Resolved-Received prepayment rider. - Due Diligence Vendor-06/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 758 and minimum allowed is 680<br>Months Reserves exceed minimum required - Borrower has 78.74 months of reserves and only needs 6 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 836879 | xxxxxx D A | Closed | xxxxxx | 2025-06-02 16:43 | 2025-06-04 11:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received mtg statement and HELOC agreement (new). - Due Diligence Vendor-06/04/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOM for xxxxxx. - Due Diligence Vendor-06/02/2025 |  | Resolved-Received mtg statement and HELOC agreement (new). - Due Diligence Vendor-06/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 758 and minimum allowed is 680<br>Months Reserves exceed minimum required - Borrower has 78.74 months of reserves and only needs 6 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 836879 | xxxxxx D A | Closed | xxxxxx | 2025-06-02 16:53 | 2025-06-04 11:43 | Resolved | 1 - Information C A | Credit | Income/Employment | Income documentation does not meet guidelines | Resolved-Received YTD P&L and Balance for xxxxxx. - Due Diligence Vendor-06/04/2025 <br> Open-Missing YTD earnings for xxxxxx. - Due Diligence Vendor-06/02/2025 |  | Resolved-Received YTD P&L and Balance for xxxxxx. - Due Diligence Vendor-06/04/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 758 and minimum allowed is 680<br>Months Reserves exceed minimum required - Borrower has 78.74 months of reserves and only needs 6 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 836880 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836912 | xxxxxx C B A | Closed | xxxxxx | 2025-05-15 11:01 | 2025-05-16 09:55 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client exception granted to allow First time investor cash out, Non-material waiver applied with comp factors. non-material due to borrower meets all first time investor guidelines. - Due Diligence Vendor-05/16/2025 <br>Open-Borrower is a First Time Investor and they do not have a complete 12 month history as of yet. Guidelines do allow a cash out for a first time investor.<br> Client provided an Exception to allow First Time Investor, applied to non material finding with comp factors. - Due Diligence Vendor-05/15/2025 |  | Waived-Client exception granted to allow First time investor cash out, Non-material waiver applied with comp factors. non-material due to borrower meets all first time investor guidelines. - Due Diligence Vendor-05/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 795 and minimum allowed is 700<br>DSCR % greater than 1.20 - DSCR % greater than 1.20. DSCR is 1.518 | -Credit Score 30+ points > minimum required<br> - DSCR > 1.3 | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 836912 | xxxxxx C B A | Closed | xxxxxx | 2025-05-16 09:45 | 2025-05-16 09:53 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client exception granted to allow xxxxxx, Non-material waiver applied with comp factors. non-material due to subject is labeled a xxxxxx but the xxxxxx. - Due Diligence Vendor-05/16/2025 <br> Open-Property Issues are identified for the property xxxxxx. Addendum in file indicates subject is a xxxxxx. Guides do not allow.<br> Client provided an Exception to allow xxxxxx, applied to non material finding with comp factors - Due Diligence Vendor-05/16/2025 |  | Waived-Client exception granted to allow xxxxxx, Non-material waiver applied with comp factors. non-material due to subject is labeled a xxxxxx but the xxxxxx. - Due Diligence Vendor-05/16/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 795 and minimum allowed is 700<br>DSCR % greater than 1.20 - DSCR % greater than 1.20. DSCR is 1.518 | Credit Score 30+ Points<br> DSCR > 1.3 | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 836933 | xxxxxx D A | Closed | xxxxxx | 2025-05-19 16:02 | 2025-06-10 10:56 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-After further review, the LTV reduction only applies to LTV's over 70%. - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Please revisit. This is not an accurate assessment of the guidelines. The reduction is needed IF the LTV exceeds 70%. Please refer to section 18 verbiage that states "IF". Please remove and escalate if needed. xxxxxx - Buyer-06/09/2025 <br> Open-Audited LTV of 70% exceeds Guideline LTV of 65% Declining market 5% reduction from the max LTV of 70% - Due Diligence Vendor-05/19/2025 |  | Resolved-After further review, the LTV reduction only applies to LTV's over 70%. - Due Diligence Vendor-06/10/2025<br>| Months Reserves exceed minimum required - 2 months required, 12 months for subject <br>On time mortgage history exceeds guideline requirement - 24 months A pay mortgage history, 12 months required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 836933 | xxxxxx D A | Closed | xxxxxx | 2025-05-19 16:04 | 2025-05-29 11:10 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Affidavit. - Due Diligence Vendor-05/29/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Occupancy cert only in file - Due Diligence Vendor-05/19/2025 |  | Resolved-Received Business Purpose Affidavit. - Due Diligence Vendor-05/29/2025<br>| Months Reserves exceed minimum required - 2 months required, 12 months for subject <br>On time mortgage history exceeds guideline requirement - 24 months A pay mortgage history, 12 months required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 836933 | xxxxxx D A | Closed | xxxxxx | 2025-05-19 08:34 | 2025-05-29 11:09 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received final CD - Due Diligence Vendor-05/29/2025 <br>Open-Asset Qualification Does Not Meet Guideline Requirements No verification of the proceeds (CD/HUD) from the sale of property was identified in the file. - Due Diligence Vendor-05/19/2025 |  | Resolved-Received final CD - Due Diligence Vendor-05/29/2025<br>| Months Reserves exceed minimum required - 2 months required, 12 months for subject <br>On time mortgage history exceeds guideline requirement - 24 months A pay mortgage history, 12 months required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 836945 | xxxxxx B A | Closed | xxxxxx | 2025-05-14 12:48 | 2025-05-23 10:05 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received Approval/Underwriting Summary - Due Diligence Vendor-05/23/2025 <br>Open-Missing Approval/Underwriting Summary Missing 1008//Approval - Due Diligence Vendor-05/15/2025 |  | Resolved-Received Approval/Underwriting Summary - Due Diligence Vendor-05/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 774 FICO exceeds 660 minimum required.<br>LTV is less than guideline maximum - 59.17% LTV is less than 70% maximum. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836978 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836986 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 837007 | xxxxxx D A | Closed | xxxxxx | 2025-05-23 12:51 | 2025-05-29 17:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Tax Cert | Resolved-Received tax cert. - Due Diligence Vendor-05/29/2025 <br>Ready for Review-Document Uploaded. Please see attached the tax cert. and the prelim shows that tax has already been paid. - Seller-05/29/2025 <br>Counter-Please provide tax cert to confirm paid current. - Due Diligence Vendor-05/28/2025 <br>Ready for Review-The tax was calculated as a purchase price x 1.25%. The tax documents are not required.<br> We haven't been including tax documents in the closing packages we've sent so far. Is there a reason why need the tax documents? - Seller-05/23/2025 <br>Open-Missing Tax Docs - Due Diligence Vendor-05/23/2025 | Ready for Review-Document Uploaded. Please see attached the tax cert. and the prelim shows that tax has already been paid. - Seller-05/29/2025 <br> Ready for Review-The tax was calculated as a purchase price x 1.25%. The tax documents are not required.<br> We haven't been including tax documents in the closing packages we've sent so far. Is there a reason why need the tax documents? - Seller-05/23/2025 | Resolved-Received tax cert. - Due Diligence Vendor-05/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 766; minimum score 660.<br>Qualifying DTI below maximum allowed - qualifying DTI 39.97% max 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837008 | xxxxxx D A | Closed | xxxxxx | 2025-05-29 14:21 | 2025-06-05 09:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Document Uploaded. Confirmation no HOA fees on any REO's provided. - Due Diligence Vendor-06/05/2025 <br> Ready for Review-All REOs are xxxxxx. HOA is not required. - Seller-05/30/2025 <br> Open-We missing HOA on all REO's reported on final 1003. - Due Diligence Vendor-05/29/2025 | Ready for Review-All REOs are xxxxxx. HOA is not required. - Seller-05/30/2025 | Resolved-Document Uploaded. Confirmation no HOA fees on any REO's provided. - Due Diligence Vendor-06/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 751 ; minimum score 660.<br>Months Reserves exceed minimum required - 12.26 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837008 | xxxxxx D A | Closed | xxxxxx | 2025-05-29 13:45 | 2025-06-02 16:03 | 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 PCCD Documentation. - Due Diligence Vendor-06/02/2025 <br> Ready for Review-The disbursement date is reflected as xxxxxx on the post CD, which is a date after the insurance effective date. This is the reason why we sent the post CD. We included proof of having sent the post CD to the borrower in the closing package, and typically, a signature is not required on the post CD. This is the first time we have heard that a signature is needed on a post CD, and we have always proceeded in this manner. - Seller-05/30/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx loan funded xxxxxx - post CD in file funded xxxxxx but is not signed. - Due Diligence Vendor-05/29/2025 | Ready for Review-The disbursement date is reflected as xxxxxx on the post CD, which is a date after the insurance effective date. This is the reason why we sent the post CD. We included proof of having sent the post CD to the borrower in the closing package, and typically, a signature is not required on the post CD. This is the first time we have heard that a signature is needed on a post CD, and we have always proceeded in this manner. - Seller-05/30/2025 | Resolved-Upon further review, the loan file contained all required PCCD Documentation. - Due Diligence Vendor-06/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 751 ; minimum score 660.<br>Months Reserves exceed minimum required - 12.26 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837029 | xxxxxx C B A | Closed | xxxxxx | 2025-05-20 08:52 | 2025-06-09 11:50 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-06/09/2025 <br>Ready for Review-The request for an exception to Client's eligibility criteria is granted. Compensating Factor 1 - Credit Score 20 points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 10 months or more / Compensating Factor 3 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines - Buyer-06/06/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Need 2023 tax returns DTI exceeded 50%, DTI up to 55% allowed for 24-month income documentation - Income to be re-reviewed; additional conditions may apply. - Due Diligence Vendor-05/20/2025 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-06/09/2025<br>| Months Reserves exceed minimum required - Guidelines require 12 months of reserves. Qualifying reserves are 66 months.<br>LTV is less than guideline maximum - Guidelines allow LTV to 75%. Subject loan LTV is 55.83%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837029 | xxxxxx C B A | Closed | xxxxxx | 2025-05-20 06:21 | 2025-06-09 11:48 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Borrower 1 Personal Tax Returns Less Than 24 Months Provided | Waived-Client provided a waiver dti >50 with 12 months income documentation, applied to non material finding with comp factors - Due Diligence Vendor-06/09/2025 <br> Ready for Review-The request for an exception to Client's eligibility criteria is granted. - Buyer-06/06/2025 <br> Counter-Received note-pending exception. Please upload exception once received. - Due Diligence Vendor-06/04/2025 <br> Open-Borrower 1 Personal Tax Returns Less Than 24 Months Provided Need 2023 tax returns DTI exceeded 50%, DTI up to 55% allowed for 24-month income documentation - Income to be re-reviewed; additional conditions may apply. - Due Diligence Vendor-05/20/2025 |  | Waived-Client provided a waiver dti >50 with 12 months income documentation, applied to non material finding with comp factors - Due Diligence Vendor-06/09/2025<br>| Months Reserves exceed minimum required - Guidelines require 12 months of reserves. Qualifying reserves are 66 months.<br>LTV is less than guideline maximum - Guidelines allow LTV to 75%. Subject loan LTV is 55.83%. | Credit Score 20 points > minimum required <br> Reserves exceed requirement by 10 months or more <br> LTV/CLTV 10% or more below the maximum allowed under applicable guidelines | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 837058 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 837060 | xxxxxx D A | Closed | xxxxxx | 2025-06-04 10:59 | 2025-06-12 17:02 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Modification document issue | Resolved-Modification from 2014 is still active. Confirmation from servicer provided and acceptable pay history. - Due Diligence Vendor-06/12/2025 <br>Counter-Modification agreement provided, however the modification was re-instated within 12 months of Note date. - Due Diligence Vendor-06/09/2025 <br>Open-Per guides document Modification completed/re-instated within 12 months of Note date. - Due Diligence Vendor-06/04/2025 |  | Resolved-Modification from 2014 is still active. Confirmation from servicer provided and acceptable pay history. - Due Diligence Vendor-06/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 817<br>Months Reserves exceed minimum required - 3 months minimum reserve requirement, borrower has 40 documented |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837060 | xxxxxx D A | Closed | xxxxxx | 2025-06-03 10:07 | 2025-06-10 11:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-06/10/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-06/03/2025 |  | Resolved-Received Fraud Report. - Due Diligence Vendor-06/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 817<br>Months Reserves exceed minimum required - 3 months minimum reserve requirement, borrower has 40 documented |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837060 | xxxxxx D A | Closed | xxxxxx | 2025-06-03 10:06 | 2025-06-10 11:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-06/10/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Drive report is missing from uploaded documents - Due Diligence Vendor-06/03/2025 |  | Resolved-Received credit refresh. - Due Diligence Vendor-06/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 817<br>Months Reserves exceed minimum required - 3 months minimum reserve requirement, borrower has 40 documented |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837060 | xxxxxx D A | Closed | xxxxxx | 2025-06-03 10:34 | 2025-06-04 10:58 | Resolved | 1 - Information D A | Credit | Modification | Modification Document is Missing | Resolved-adding a credit finding. - Due Diligence Vendor-06/04/2025 <br>Open-Per guides document Modification completed/re-instated within 12 months of Note date - Due Diligence Vendor-06/03/2025 |  | Resolved-adding a credit finding. - Due Diligence Vendor-06/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 817<br>Months Reserves exceed minimum required - 3 months minimum reserve requirement, borrower has 40 documented |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837060 | xxxxxx D A | Closed | xxxxxx | 2025-06-03 13:22 | 2025-06-04 10:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-After further review, the lender on the Note matches the mortgagee on the policies. - Due Diligence Vendor-06/04/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Both HOI policies are missing the updated mortgagee as xxxxxx - Due Diligence Vendor-06/03/2025 |  | Resolved-After further review, the lender on the Note matches the mortgagee on the policies. - Due Diligence Vendor-06/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 817<br>Months Reserves exceed minimum required - 3 months minimum reserve requirement, borrower has 40 documented |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837067 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 837068 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 837075 | xxxxxx C A | Closed | xxxxxx | 2025-04-07 10:36 | 2025-04-07 12:41 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Prepayment penalty confirmed by the lender. Tape was incorrect. - Due Diligence Vendor-04/07/2025 <br>Open-The note identifies a 36 month 5% Prepayment Penalty. The tape does not identify a prepayment penalty. - Due Diligence Vendor-04/07/2025 |  | Resolved-Prepayment penalty confirmed by the lender. Tape was incorrect. - Due Diligence Vendor-04/07/2025<br>| Months Reserves exceed minimum required - No reserves required. 1.5 months verified. <br>Qualifying FICO score is at least 20 points above minimum for program - Required Fico 660, subject 697. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 837094 | xxxxxx C A | Closed | xxxxxx | 2025-05-07 22:50 | 2025-05-14 10:00 | Resolved | 1 - Information C A | Credit | Eligibility | xxxxxx Foreign National Affidavit is missing or incomplete | Resolved-Received Foreign National Affidavit. - Due Diligence Vendor-05/14/2025 <br> Open-xxxxxx Foreign National Affidavit is Missing or Incomplete. Missing xxxxxx Foreign National Affidavit - Due Diligence Vendor-05/08/2025 |  | Resolved-Received Foreign National Affidavit. - Due Diligence Vendor-05/14/2025<br>| Months Reserves exceed minimum required - 19.78mos reserves. Per guides, 12 reserves required.<br>DSCR % greater than 1.20 - DSCR 1.677 |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837101 | xxxxxx D A | Closed | xxxxxx | 2025-05-30 16:04 | 2025-06-09 08:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved------Received executed final 1003. - Due Diligence Vendor-06/09/2025 <br>Open-The Final 1003 is Missing Missing the signed final 1003 for both borrowers. - Due Diligence Vendor-05/30/2025 |  | Resolved------Received executed final 1003. - Due Diligence Vendor-06/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 812, guideline minimum is 680.<br>Months Reserves exceed minimum required - Verified reserves equal 327 months, guidelines require 3 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837103 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 837105 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 837135 | xxxxxx D A | Closed | xxxxxx | 2025-05-15 10:19 | 2025-06-04 10:48 | Resolved | 1 - Information C A | Credit | Eligibility | Non-Arm's Length Transactions Not Allowed for Program | Resolved-Letter of explanation provided by the borrower. - Due Diligence Vendor-06/04/2025 <br>Open-Non-Arm's Length Transactions Not Allowed for Program - Due Diligence Vendor-06/04/2025 |  | Resolved-Letter of explanation provided by the borrower. - Due Diligence Vendor-06/04/2025<br>| Months Reserves exceed minimum required - Qualifying reserves 114 months; minimum required 2 months<br>Long term residence - Borrower lived at primary residence for 23 years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837135 | xxxxxx D A | Closed | xxxxxx | 2025-05-15 10:37 | 2025-06-03 15:02 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Property | Resolved-Received confirmation acceptable as purchase and buyer intention does not support commercial use. - Due Diligence Vendor-06/03/2025 <br> Open-Appraiser comments subject is utilized as a xxxxxx. Website supports ongoing reservations. Property layout supports use as xxxxxx. Per 2.9.2.2 xxxxxx is not eligible. Additionally current use as xxxxxx does not support the highest and best use per appraiser as a xxxxxx. - Due Diligence Vendor-05/15/2025 |  | Resolved-Received confirmation acceptable as purchase and buyer intention does not support commercial use. - Due Diligence Vendor-06/03/2025<br>| Months Reserves exceed minimum required - Qualifying reserves 114 months; minimum required 2 months<br>Long term residence - Borrower lived at primary residence for 23 years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837135 | xxxxxx D A | Closed | xxxxxx | 2025-05-15 10:49 | 2025-06-03 12:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received confirmation report is complete. - Due Diligence Vendor-06/03/2025 <br>Open-Third Party Fraud Report Partially Provided Missing SSN verification for B2. Fraud shows an additional SSN for B2. - Due Diligence Vendor-05/15/2025 |  | Resolved-Received confirmation report is complete. - Due Diligence Vendor-06/03/2025<br>| Months Reserves exceed minimum required - Qualifying reserves 114 months; minimum required 2 months<br>Long term residence - Borrower lived at primary residence for 23 years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837135 | xxxxxx D A | Closed | xxxxxx | 2025-05-15 10:56 | 2025-06-02 10:55 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Received revised appraiser commentary - Due Diligence Vendor-06/02/2025 <br> Ready for Review-Document Uploaded. Please see updated Appraisal Report - Buyer-05/30/2025 <br> Open-Appraiser to (1) confirm all xxxxxx (2) appraiser comments highest and best use as a xxxxxx due to location amongst other xxxxxx; appraiser to comment that level of access to xxxxxx and current use as a xxxxxx is common and customary (3) appraiser to comment on lack of classification as xxxxxx-unit with ADU or as a xxxxxx-unit (4) comment which comps provided also function as a xxxxxx; if none provide 1 additional comp (5) comment current use as xxxxxx meets zoning requirements with no exemptions (6) additional findings may apply. - Due Diligence Vendor-05/15/2025 |  | Resolved-Received revised appraiser commentary - Due Diligence Vendor-06/02/2025<br>| Months Reserves exceed minimum required - Qualifying reserves 114 months; minimum required 2 months<br>Long term residence - Borrower lived at primary residence for 23 years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837135 | xxxxxx D A | Closed | xxxxxx | 2025-05-15 10:01 | 2025-05-27 09:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received completed 1003 - Due Diligence Vendor-05/27/2025 <br>Open-1003 missing legible present address for both borrowers; mailing address which differs from current address only provided. - Due Diligence Vendor-05/15/2025 |  | Resolved-Received completed 1003 - Due Diligence Vendor-05/27/2025<br>| Months Reserves exceed minimum required - Qualifying reserves 114 months; minimum required 2 months<br>Long term residence - Borrower lived at primary residence for 23 years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837150 | xxxxxx D A | Closed | xxxxxx | 2025-05-21 13:53 | 2025-05-30 11:33 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-05/30/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-05/29/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. 12-mo housing history for mtg on current residence or a rent-free letter (if borrower is FTHB) needed. - Due Diligence Vendor-05/21/2025 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-05/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 712 qualifying FICO score, 660 minimum credit score required.<br>Qualifying DTI below maximum allowed - 40.97% DTI ratio, 50% maximum DTI allowed. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837150 | xxxxxx D A | Closed | xxxxxx | 2025-05-21 13:26 | 2025-05-30 11:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received rent free letter. - Due Diligence Vendor-05/30/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-05/29/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Borrower is required to provide evidence of housing history. The borrower states they own their current residence for the past 1.6 years. However, the mortgage was evidenced to be in the spouse's name and the borrower has no mortgage history on their credit report. Documentation verifying the the mortgage on current residence with maximum 1x30 x12 months or a rent-free letter from borrower's spouse is required. Additional conditions may apply. - Due Diligence Vendor-05/21/2025 |  | Resolved-Received rent free letter. - Due Diligence Vendor-05/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 712 qualifying FICO score, 660 minimum credit score required.<br>Qualifying DTI below maximum allowed - 40.97% DTI ratio, 50% maximum DTI allowed. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837156 | xxxxxx C B A | Closed | xxxxxx | 2025-05-29 11:34 | 2025-05-29 13:11 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Rural Property <br> Client exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to not ATR affecting and strong compensating factors. - Due Diligence Vendor-05/29/2025 |  | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Rural Property <br> Client exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to not ATR affecting and strong compensating factors. - Due Diligence Vendor-05/29/2025<br>| LTV is less than guideline maximum - LTV 37.74% is lower than maximum 90%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 767 is higher than the required 660 | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Credit Score 30+ points > minimum required | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 837189 | xxxxxx D A | Closed | xxxxxx | 2025-05-09 11:40 | 2025-05-22 09:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing an established escrow impound account for taxes and insurance. | Resolved-After further review, the IEAD is not required. - Due Diligence Vendor-05/22/2025 <br>Open-missing IEAD for tax, ins. and flood - Due Diligence Vendor-05/09/2025 |  | Resolved-After further review, the IEAD is not required. - Due Diligence Vendor-05/22/2025<br>| LTV is less than guideline maximum - Borr LTV 65%. Per guides, maximum LTV 75%.<br>Months Reserves exceed minimum required - 18.31mos reserves. Per guides, 6 reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837257 | xxxxxx C A | Closed | xxxxxx | 2025-05-20 11:41 | 2025-05-28 10:58 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-05/28/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-05/27/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). File is missing Title Supplement for Full Loan Amount - Due Diligence Vendor-05/20/2025 |  | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-05/28/2025<br>| On time mortgage history exceeds guideline requirement - On Time Mortgage History = 43 Months Required = 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 780 Min FICO = 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837275 | xxxxxx C B A | Closed | xxxxxx | 2025-06-10 08:33 | 2025-06-10 09:51 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income/Employment General | Waived-Investor waiver applied to non-material finding with compensating factors. A written VOE from the borrower's employer was provided in lieu of check(s) or bank statement(s) as acceptable documentation. Although the ytd average earnings were slightly lower and used to qualify the borrower, the lower income had no bearing on the validity of the income documentation. Additional comp factors were provided to further support the exception waiver. - Due Diligence Vendor-06/10/2025 <br>Open-YTD earnings must be documented with checks, a single check stub(s) with YTD totals if available, or bank statements (YTD) when the 1099 reporting period is greater than 120 days from the note date. Client exception approval in file to allow WVOE as acceptable YTD documentation in lieu of bank statements or pay stubs. - Due Diligence Vendor-06/10/2025 |  | Waived-Investor waiver applied to non-material finding with compensating factors. A written VOE from the borrower's employer was provided in lieu of check(s) or bank statement(s) as acceptable documentation. Although the ytd average earnings were slightly lower and used to qualify the borrower, the lower income had no bearing on the validity of the income documentation. Additional comp factors were provided to further support the exception waiver. - Due Diligence Vendor-06/10/2025 | Months Reserves exceed minimum required - 21 mths reserves; 3 mths required.<br>Verified employment history exceeds guidelines - Borrower has more than 5 years of self-employment verified, 2 years minimum required.<br>Qualifying DTI below maximum allowed - 18.12% DTI ratio, 50% maximum DTI allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 712 | DTI <= 36% which is below requirement in guidelines<br> Employed in same profession > 2 years<br> 21 months reserves<br> 712 FICO score | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 837275 | xxxxxx C B A | Closed | xxxxxx | 2025-06-06 12:58 | 2025-06-06 12:58 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing client waiver applied to non-material findings - Due Diligence Vendor-06/06/2025 |  | Waived-Required Affiliated Business Disclosure Missing client waiver applied to non-material findings - Due Diligence Vendor-06/06/2025<br>| Months Reserves exceed minimum required - 21 mths reserves; 3 mths required.<br>Verified employment history exceeds guidelines - Borrower has more than 5 years of self-employment verified, 2 years minimum required.<br>Qualifying DTI below maximum allowed - 18.12% DTI ratio, 50% maximum DTI allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 712 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 837315 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 837329 | xxxxxx D A | Closed | xxxxxx | 2025-06-04 13:02 | 2025-06-05 17:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Document is Provided And Complete. Prelim title in file reflects correct loan amount - Due Diligence Vendor-06/05/2025 <br>Ready for Review-Document Uploaded. I don't know why asking for the title supplemental even though there is already loan mount in Title report pg3. Please waive this condition. - Seller-06/05/2025 <br>Open-Title Document is Incomplete Provide a title supplemental reflecting the loan amount - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. I don't know why asking for the title supplemental even though there is already loan mount in Title report pg3. Please waive this condition. - Seller-06/05/2025 | Resolved-Title Document is Provided And Complete. Prelim title in file reflects correct loan amount - Due Diligence Vendor-06/05/2025<br>| LTV is less than guideline maximum - LTV 67.01% is lower than maximum 80%<br>Qualifying DTI below maximum allowed - DTI 42.34% is lower than allowable 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837379 | xxxxxx C A B | Closed | xxxxxx | 2025-06-18 08:11 | 2025-06-30 09:13 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title report reflecting sufficient coverage. - Due Diligence Vendor-06/30/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Due Diligence Vendor-06/18/2025 |  | Resolved-Received updated preliminary title report reflecting sufficient coverage. - Due Diligence Vendor-06/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 717<br>Months Reserves exceed minimum required - 10 mths reserves; 6 mths required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837379 | xxxxxx C A B | Closed | xxxxxx | 2025-06-16 08:56 | 2025-06-23 12:34 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 7.704% is within allowable threshold of APOR of 6.88% + 1.75% or 8.63%. - Due Diligence Vendor-06/23/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 7.704% is within allowable threshold of APOR of 6.88% + 1.75% or 8.63%. - Due Diligence Vendor-06/16/2025 |  | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 7.704% is within allowable threshold of APOR of 6.88% + 1.75% or 8.63%. - Due Diligence Vendor-06/23/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 717<br>Months Reserves exceed minimum required - 10 mths reserves; 6 mths required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837410 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 837417 | xxxxxx D A | Closed | xxxxxx | 2025-05-28 07:58 | 2025-06-06 11:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Received revised appraisal reflecting flood zone and flood map, flood insurance. - Due Diligence Vendor-06/06/2025 <br>Counter-Received Flood Cert reflecting subject in Flood Zone-\*NEW\* 1. Missing flood insurance. 2. Appraisal does not reflect flood zone nor contain flood map. - Due Diligence Vendor-06/02/2025 <br>Open-Missing Flood Certificate. - Due Diligence Vendor-05/28/2025 |  | Resolved-Received revised appraisal reflecting flood zone and flood map, flood insurance. - Due Diligence Vendor-06/06/2025<br>| Months Reserves exceed minimum required - 30 months reserves; 2 months reserves required.<br>On time mortgage history exceeds guideline requirement - Mortgage History 0x30x12. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837422 | xxxxxx B A | Closed | xxxxxx | 2025-05-30 15:09 | 2025-06-05 10:33 | Resolved | 1 - Information B A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Upon further review, the loan file contained all required UDM is within 30 days of closing and credit documentation complete. - Due Diligence Vendor-06/05/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). 14 days old - Due Diligence Vendor-05/30/2025 |  | Resolved-Upon further review, the loan file contained all required UDM is within 30 days of closing and credit documentation complete. - Due Diligence Vendor-06/05/2025<br>| Qualifying DTI below maximum allowed - 7.96% DTI is below 43% maximum allowed<br>Qualifying FICO score is at least 20 points above minimum for program - 808 FICO score is 20+ points above 720 minimum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837424 | xxxxxx B A | Closed | xxxxxx | 2025-05-14 14:24 | 2025-05-20 09:46 | Waived | 2 - Non-Material B | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Waived-Client waiver applied to non material finding with comp factors - Due Diligence Vendor-05/20/2025 <br>Open-Missing Approval/Underwriting Summary MIssing copy of the Loan Approval or 1008. - Due Diligence Vendor-05/14/2025 |  | Waived-Client waiver applied to non material finding with comp factors - Due Diligence Vendor-05/20/2025<br>| LTV is less than guideline maximum - LTV is 75% and max allowed is 80%<br>Long term residence - B1 living in primary home for over 6 years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 837426 | xxxxxx B A | Closed | xxxxxx | 2025-06-03 09:29 | 2025-06-04 12:09 | Resolved | 1 - Information B A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-06/04/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing from loan file - Due Diligence Vendor-06/03/2025 |  | Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-06/04/2025<br>| Months Reserves exceed minimum required - Min 6 months, actual 13.46 months<br>Qualifying DTI below maximum allowed - Max 50%, actual 32.56%<br>Qualifying FICO score is at least 20 points above minimum for program - Min 680, actual 808 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837460 | xxxxxx C A | Closed | xxxxxx | 2025-06-10 14:46 | 2025-06-12 15:14 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received VOR utilized to clear alerts. - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. VOR shows that the borrower lived in xxxxxx as his primary residence. Please see attached VOR below. - Seller-06/11/2025 <br> Open-Fraud Report Shows Uncleared Alerts Neither Fraud nor Credit Report support that the borrower has ever occupied the primary residence listed on the 1003. Missing documentation to support. - Due Diligence Vendor-06/10/2025 | Ready for Review-Document Uploaded. VOR shows that the borrower lived in xxxxxx as his primary residence. Please see attached VOR below. - Seller-06/11/2025 | Resolved-Received VOR utilized to clear alerts. - Due Diligence Vendor-06/12/2025<br>| LTV is less than guideline maximum - Qualifying LTV 66.67%; max 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 801; minimum required 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837462 | xxxxxx C B A | Closed | xxxxxx | 2025-05-15 15:06 | 2025-05-16 15:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived-Client exception granted to allow DSCR less than 1.25, non-material waiver applied with comp factors. Deemed non-material due to being only .083 under the required DSCR. - Due Diligence Vendor-05/16/2025 <br>Open-The Calculated DSCR of '1.167' is less than the minimum DSCR per lender guidelines of '1.25'. 1.25x minimum for loans under $150K. - Due Diligence Vendor-05/15/2025 |  | Waived-Client exception granted to allow DSCR less than 1.25, non-material waiver applied with comp factors. Deemed non-material due to being only .083 under the required DSCR. - Due Diligence Vendor-05/16/2025<br>| Months Reserves exceed minimum required - 19 months, required 3 months<br>LTV is less than guideline maximum - LTV 60% LTV. Allowed 70% | 1. LTV/CLTV 5% or more below the maximum allowed under applicable guidelines. 2. Credit Score 10 points > minimum required. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 837462 | xxxxxx C B A | Closed | xxxxxx | 2025-05-16 15:26 | 2025-05-16 15:40 | Waived | 2 - Non-Material C B | Credit | Title | Property Title Issue | Waived-Client exception granted to allow xxxxxx. Non-material waiver applied with comp factors. Deemed non-material due to still meeting xxxxxx guidelines since the xxxxxx. - Due Diligence Vendor-05/16/2025 <br> Open-Property Title Issue xxxxxx. - Due Diligence Vendor-05/16/2025 |  | Waived-Client exception granted to allow xxxxxx. Non-material waiver applied with comp factors. Deemed non-material due to still meeting xxxxxx guidelines since the xxxxxx. - Due Diligence Vendor-05/16/2025 | Months Reserves exceed minimum required - 19 months, required 3 months<br>LTV is less than guideline maximum - LTV 60% LTV. Allowed 70% | 1. LTV/CLTV 5% or more below the maximum allowed under applicable guidelines. 2. Credit Score 10 points > minimum required. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 837464 | xxxxxx C B A | Closed | xxxxxx | 2025-05-22 16:16 | 2025-06-06 11:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client provided a waiver reserves<4 months, applied to non material finding with comp factors - Due Diligence Vendor-06/06/2025 <br> Ready for Review-The request for an exception to Client's eligibility criteria is granted. - Buyer-06/05/2025 <br> Counter-Reviewer confirm PCCD-assets differ from post funding note received-audit reflects $137,949.86 total assets. xx7671 $17,566.47 and xx9999 $120,383.39 resulting is xxxxxx 4 mos PI reserves. - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-06/04/2025 <br> Counter-Reviewer concurs P&I only for reserves-reserves remain insufficient at 3.83 months <4 months required. - Due Diligence Vendor-05/29/2025 <br> Ready for Review-xxxxxx guides calculate reserves off of P/I only. Can you please review and recalculate? - Buyer-05/28/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 4 month(s) reserves are short - Due Diligence Vendor-05/22/2025 |  | Waived-Client provided a waiver reserves<4 months, applied to non material finding with comp factors - Due Diligence Vendor-06/06/2025<br>| Qualifying DTI below maximum allowed - 50% allowed, 42.56% verified<br>Qualifying FICO score is at least 20 points above minimum for program - 660 score required, subject 731 | Credit Score 30+ points > minimum required<br> Residual income more than 2.5x the amount required by guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 837487 | xxxxxx D B A | Closed | xxxxxx | 2025-05-20 09:49 | 2025-06-12 10:58 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-06/12/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Conditions for DTI and Housing history are pending. - Due Diligence Vendor-05/20/2025 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-06/12/2025<br>| LTV is less than guideline maximum - 90% allowed, subject 80%. <br>Qualifying FICO score is at least 20 points above minimum for program - fico required 680, subject fico 745. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837487 | xxxxxx D B A | Closed | xxxxxx | 2025-05-20 09:23 | 2025-06-12 10:56 | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Received proof of April payment made. - Due Diligence Vendor-06/12/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The departing residence of the borrower has verified mortgage history up through the 3/1/2025 payment. Verification of the 4/1/2025 payment was not identified in the file. - Due Diligence Vendor-05/20/2025 |  | Resolved-Received proof of April payment made. - Due Diligence Vendor-06/12/2025<br>| LTV is less than guideline maximum - 90% allowed, subject 80%. <br>Qualifying FICO score is at least 20 points above minimum for program - fico required 680, subject fico 745. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837487 | xxxxxx D B A | Closed | xxxxxx | 2025-05-20 10:08 | 2025-06-02 11:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Received confirmation no HOA. - Due Diligence Vendor-06/02/2025 <br> Open-Per the 1008 the borrower's departing residence is a xxxxxx. No mention or verification of the HOA fees was identified in the file. - Due Diligence Vendor-05/20/2025 |  | Resolved-Received confirmation no HOA. - Due Diligence Vendor-06/02/2025<br>| LTV is less than guideline maximum - 90% allowed, subject 80%. <br>Qualifying FICO score is at least 20 points above minimum for program - fico required 680, subject fico 745. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837487 | xxxxxx D B A | Closed | xxxxxx | 2025-05-19 09:08 | 2025-05-21 07:39 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 7.791% is within allowable threshold of APOR of 6.74% + 1.75% or 8.49%. - Due Diligence Vendor-05/21/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 7.791% is within allowable threshold of APOR of 6.74% + 1.75% or 8.49%. - Due Diligence Vendor-05/19/2025 |  | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 7.791% is within allowable threshold of APOR of 6.74% + 1.75% or 8.49%. - Due Diligence Vendor-05/21/2025 | LTV is less than guideline maximum - 90% allowed, subject 80%. <br>Qualifying FICO score is at least 20 points above minimum for program - fico required 680, subject fico 745. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837487 | xxxxxx D B A | Closed | xxxxxx | 2025-05-20 10:06 | 2025-05-20 15:19 | Waived | 2 - Non-Material C B | Credit | Eligibility | Escrow waiver guidelines were not met | Waived-Escrows may only be waived if the borrower has 12 months plus reserves. The borrower had 9 months verified reserves.<br> Client exception granted and in file. Waiver applied with comp factors. - Due Diligence Vendor-05/23/2025 <br>Open-Escrows may only be waived if the borrower has 12 months plus reserves. The borrower had 9 months verified reserves. <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to not atr affecting - Due Diligence Vendor-05/20/2025 |  | Waived-Escrows may only be waived if the borrower has 12 months plus reserves. The borrower had 9 months verified reserves.<br> Client exception granted and in file. Waiver applied with comp factors. - Due Diligence Vendor-05/23/2025<br>| LTV is less than guideline maximum - 90% allowed, subject 80%. <br>Qualifying FICO score is at least 20 points above minimum for program - fico required 680, subject fico 745. | Score is 745 vs program min of 680<br> Credit history exceeds 24 mo's with 0x30 | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 837515 | xxxxxx D B A | Closed | xxxxxx | 2025-05-20 14:50 | 2025-05-29 15:46 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator provided a waiver to qualify with 18 months business bank statements using 24 month consideration, applied to non material finding with comp factors. Business registry does confirm business has been in place for 24+ months. - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. - Document Uploaded - Due Diligence Vendor-05/29/2025 <br> Counter-Missing April 2025 business bank statement for review. - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. - Documents Uploaded. - Due Diligence Vendor-05/29/2025 <br> Counter-Received revised income worksheet, exception and 1008. Provide business bank statements 4/2025, 11/2023-5/2024 for review of 18 months of income per exception supporting income considered in qualifying. Provide corrected final 1003 reflecting qualifying income. - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. - Documents Uploaded. - Due Diligence Vendor-05/29/2025 <br> Open-\*New\* Received corrected 1003 reflecting Non perm resident-alt documentation requires qualifying with 24 months business bank statements-must meet guideline 2.3.1.3. - Due Diligence Vendor-05/20/2025 |  | Waived-Originator provided a waiver to qualify with 18 months business bank statements using 24 month consideration, applied to non material finding with comp factors. Business registry does confirm business has been in place for 24+ months. - Due Diligence Vendor-05/29/2025<br>| Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 27.09 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680; qualifying FICO is 720. | Residual Income: $26,993<br> FICO: 720<br> DTI: <43%<br> CLTV: <60% | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 837515 | xxxxxx D B A | Closed | xxxxxx | 2025-05-16 08:21 | 2025-05-20 14:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower Citizenship Documentation Provided or Not Required - Due Diligence Vendor-05/20/2025 <br>Ready for Review-Document Uploaded. - Seller-05/19/2025 <br>Open-Borrower Citizenship Documentation Is Missing - Borrower is a Permanent Resident Alien. Provide Permanent Resident Alien documentation. - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. - Seller-05/19/2025 | Resolved-Borrower Citizenship Documentation Provided or Not Required - Due Diligence Vendor-05/20/2025<br>| Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 27.09 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680; qualifying FICO is 720. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837526 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 837527 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 837535 | xxxxxx D B A | Closed | xxxxxx | 2025-05-28 15:28 | 2025-06-11 11:24 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client provided a waiver reserves< 9 months, applied to non material finding with comp factors - Due Diligence Vendor-06/11/2025 <br> Counter-Statement provided was included in the asset calculation. Finding remains. - Due Diligence Vendor-06/09/2025 <br> Counter-Received 5/19 printout reflecting sufficient funds for closing-missing sufficient reserves. Only 9 months <12 mos required. - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. See attached additional transaction history. Reuploaded. <br>- Seller-06/06/2025 <br> Counter-Reviewer is unable to locate xxxxxx with balance as noted--funds were transferred to another account. Provide sufficient assets. - Due Diligence Vendor-05/30/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 12 month(s) - Due Diligence Vendor-05/28/2025 | Ready for Review-Document Uploaded. See attached additional transaction history. Reuploaded. <br>- Seller-06/06/2025 | Waived-Client provided a waiver reserves< 9 months, applied to non material finding with comp factors - Due Diligence Vendor-06/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 756 is more than 20 points higher than the guideline min of 720<br>Qualifying DTI below maximum allowed - Qualifying DTI 21% is less than the guideline max of 50. | Credit Score 20 points > minimum required<br> Residual income more than 2.5x the amount required by guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 837535 | xxxxxx D B A | Closed | xxxxxx | 2025-05-28 15:21 | 2025-06-06 11:52 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received updated printout. - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. See attached additional transaction history. Reuploaded. <br>- Seller-06/06/2025 <br> Counter-Reviewer is unable to locate xxxxxx with balance as noted--funds were transferred to another account. Provide sufficient assets. - Due Diligence Vendor-05/30/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-39138.82'. Assets are Insufficient. - Due Diligence Vendor-05/28/2025 | Ready for Review-Document Uploaded. See attached additional transaction history. Reuploaded. <br>- Seller-06/06/2025 | Resolved-Received updated printout. - Due Diligence Vendor-06/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 756 is more than 20 points higher than the guideline min of 720<br>Qualifying DTI below maximum allowed - Qualifying DTI 21% is less than the guideline max of 50. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837535 | xxxxxx D B A | Closed | xxxxxx | 2025-05-28 15:29 | 2025-06-03 13:15 | Resolved | 1 - Information C A | Credit | Eligibility | Escrow waiver guidelines were not met | Resolved-Upon further review, subject loan is not HPML therefore escrows are not required - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. Compliance report reuploaded to xxxxxx again and also into xxxxxx. See page 8 of the compliance report. This was also included in the initial package. - Buyer-06/03/2025 <br> Counter-Provide compliance report for review. - Due Diligence Vendor-05/30/2025 <br> Open-Escrow cannot be waived for HPML loans. - Due Diligence Vendor-05/28/2025 |  | Resolved-Upon further review, subject loan is not HPML therefore escrows are not required - Due Diligence Vendor-06/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 756 is more than 20 points higher than the guideline min of 720<br>Qualifying DTI below maximum allowed - Qualifying DTI 21% is less than the guideline max of 50. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837535 | xxxxxx D B A | Closed | xxxxxx | 2025-05-28 14:40 | 2025-05-30 11:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received CAD. - Due Diligence Vendor-05/30/2025 <br>Open-Missing Evidence of Property Tax Missing documentation to support the taxes used in qualifying. - Due Diligence Vendor-05/28/2025 |  | Resolved-Received CAD. - Due Diligence Vendor-05/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 756 is more than 20 points higher than the guideline min of 720<br>Qualifying DTI below maximum allowed - Qualifying DTI 21% is less than the guideline max of 50. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837535 | xxxxxx D B A | Closed | xxxxxx | 2025-05-28 15:14 | 2025-05-30 11:38 | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Received July 2024 proof of payment - Due Diligence Vendor-05/30/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Only have evidence of 11 months payments, 07/2024 to 05/2025 and missing VOR from landlord. - Due Diligence Vendor-05/28/2025 |  | Resolved-Received July 2024 proof of payment - Due Diligence Vendor-05/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 756 is more than 20 points higher than the guideline min of 720<br>Qualifying DTI below maximum allowed - Qualifying DTI 21% is less than the guideline max of 50. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837552 | xxxxxx B A | Closed | xxxxxx | 2025-06-02 17:31 | 2025-07-10 15:29 | Resolved | 1 - Information B A | Credit | Eligibility | Condo project has pending litigation | Resolved-After further review, the litigation is accepted by the insurance carrier for pending suites. None are structural in nature,. - Due Diligence Vendor-07/10/2025 <br> Open-Exception Approved: Allow xxxxxx project with a pending litigation against HOA. Non-Material: Not related to Safety of Structural Integrity. Insurance has adequate Umbrella Coverage - Due Diligence Vendor-06/02/2025 |  | Resolved-After further review, the litigation is accepted by the insurance carrier for pending suites. None are structural in nature,. - Due Diligence Vendor-07/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 783 vs. 700 min<br>Months Reserves exceed minimum required - 12 available vs. 2 required | -LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> - Credit Score 30+ points > minimum required | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837552 | xxxxxx B A | Closed | xxxxxx | 2025-06-02 17:36 | 2025-06-02 17:49 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo does not meet requirements | Waived--Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/02/2025 <br>Open-Exception Approved: Allow single entity ownership of 24% > maximum of 20% per guidelines. Non-Material approved with max LTV of 65%<br> - Due Diligence Vendor-06/02/2025 |  | Waived--Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 783 vs. 700 min<br>Months Reserves exceed minimum required - 12 available vs. 2 required | -LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> - Property277758-2 Credit Score Credit Score 30+ points > minimum required | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 837564 | xxxxxx C A | Closed | xxxxxx | 2025-05-27 14:46 | 2025-05-30 09:33 | Resolved | 1 - Information C A | Credit | Income/Employment | Income documentation does not meet guidelines | Resolved-CPA letter and verification of the CPA provided. - Due Diligence Vendor-05/30/2025 <br> Ready for Review-Document Uploaded. - Seller-05/27/2025 <br> Open-A letter from employer on company letter head providing current monthly salary, YTD earnings and total earnings for the past 2-years. Letter from employer must be on company letterhead, including address and company web address, Employer to be independently verified (xxxxxx, other). All docs must be translated by an independent certified translator. (borrower is a xxxxxx not an xxxxxx [less than 25% at 1%] of xxxxxx). - Due Diligence Vendor-05/27/2025 | Ready for Review-Document Uploaded. - Seller-05/27/2025 | Resolved-CPA letter and verification of the CPA provided. - Due Diligence Vendor-05/30/2025<br>| Long term residence - Long Term Residence = 13 years<br>Months Reserves exceed minimum required - Reserves = 38 months – Required Reserves = 3 Months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837564 | xxxxxx C A | Closed | xxxxxx | 2025-05-27 09:28 | 2025-05-30 09:31 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-05/30/2025 <br>Ready for Review-Document Uploaded. - Seller-05/29/2025 <br>Counter-Please provide an approval or 1008. The income documents were uploaded. - Due Diligence Vendor-05/29/2025 <br>Ready for Review-Document Uploaded. - Seller-05/27/2025 <br>Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-05/27/2025 | Ready for Review-Document Uploaded. - Seller-05/29/2025 <br> Ready for Review-Document Uploaded. - Seller-05/27/2025 | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-05/30/2025<br>| Long term residence - Long Term Residence = 13 years<br>Months Reserves exceed minimum required - Reserves = 38 months – Required Reserves = 3 Months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837564 | xxxxxx C A | Closed | xxxxxx | 2025-05-27 09:28 | 2025-05-30 09:31 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Audited FICO of is greater than or equal to Guideline FICO of 0 for FN. - Due Diligence Vendor-05/27/2025 <br>Open-Audited FICO of is less than Guideline FICO of 620 Per E-mail - 5/23/25 - - full doc with a CPA for FN and should be underwritten the FMC 1. <br> Program Requires minimum 620 FICO - Due Diligence Vendor-05/27/2025 |  | Resolved-Audited FICO of is greater than or equal to Guideline FICO of 0 for FN. - Due Diligence Vendor-05/27/2025<br>| Long term residence - Long Term Residence = 13 years<br>Months Reserves exceed minimum required - Reserves = 38 months – Required Reserves = 3 Months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837578 | xxxxxx B A | Closed | xxxxxx | 2025-05-20 13:39 | 2025-05-20 13:44 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-05/20/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-05/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 749 is higher than the required 700<br>Qualifying DTI below maximum allowed - DTI 26.30% is lower than allowable 50% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 837591 | xxxxxx D A | Closed | xxxxxx | 2025-05-27 13:57 | 2025-06-03 12:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 WVOE Missing | Resolved-Received signed and dated WVOE. - Due Diligence Vendor-06/03/2025 <br>Open-Borrower 1 WVOE Missing Missing WVOE dated prior to the Note Date and signed by the Owner. Additional findings may apply. - Due Diligence Vendor-05/27/2025 |  | Resolved-Received signed and dated WVOE. - Due Diligence Vendor-06/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 730; minimum required 620<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income $6,278 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837605 | xxxxxx D B A | Closed | xxxxxx | 2025-06-03 15:12 | 2025-06-13 09:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 YTD Profit & Loss Missing | Resolved-Received YTD P&L. - Due Diligence Vendor-06/13/2025 <br>Open-Borrower 2 YTD Profit & Loss Missing Missing YTD P&L. 2024 tax returns exceed 120 days from the Note Date. Must supporting income used towards qualifying. Additional findings may apply. - Due Diligence Vendor-06/03/2025 |  | Resolved-Received YTD P&L. - Due Diligence Vendor-06/13/2025<br>| CLTV is less than guidelines maximum - Qualifying CLTV 50.16%; max 90%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 783; minimum required 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837605 | xxxxxx D B A | Closed | xxxxxx | 2025-06-03 15:12 | 2025-06-10 10:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received May 15th pay statement. - Due Diligence Vendor-06/10/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing Verbal VOE dated within 10 calendar days of the Note Date for B1. - Due Diligence Vendor-06/03/2025 |  | Resolved-Received May 15th pay statement. - Due Diligence Vendor-06/10/2025<br>| CLTV is less than guidelines maximum - Qualifying CLTV 50.16%; max 90%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 783; minimum required 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837605 | xxxxxx D B A | Closed | xxxxxx | 2025-06-03 15:12 | 2025-06-10 10:16 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 2 Tax Returns Not Signed | Resolved-Received 2024 signed 1040s and 1120s - Due Diligence Vendor-06/10/2025 <br>Open-Borrower 2 Tax Returns Not Signed Missing signed and dated 2024 personal tax returns and 2024 1120-S business tax returns. - Due Diligence Vendor-06/03/2025 |  | Resolved-Received 2024 signed 1040s and 1120s - Due Diligence Vendor-06/10/2025<br>| CLTV is less than guidelines maximum - Qualifying CLTV 50.16%; max 90%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 783; minimum required 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837605 | xxxxxx D B A | Closed | xxxxxx | 2025-06-02 09:16 | 2025-06-02 09:18 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings. - Due Diligence Vendor-06/02/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings. - Due Diligence Vendor-06/02/2025<br>| CLTV is less than guidelines maximum - Qualifying CLTV 50.16%; max 90%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 783; minimum required 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 837624 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 837631 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 837632 | xxxxxx D B A | Closed | xxxxxx | 2025-06-03 13:36 | 2025-07-10 15:23 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-After further review, the litigation is accepted by the insurance carrier for pending suites. None are structural in nature,. - Due Diligence Vendor-07/10/2025 <br> Open-Per emails from the HOA's Insurance representative and court-filed documents that were provided in the loan file, the HOA is a defendant in 2 lawsuits brought by Unit Owners; one lawsuit is a Directors & Officers Claim (pg 462) for defamation slander and racial discrimination the other is a General Liability claim made by a xxxxxx unit onwer (pg 524 and pg 536) for an improperly xxxxxx that caused xxxxxx. Email also states there are no xxxxxx that have been discovered (p.449). Although the Insurance representative also indicated the amounts of the lawsuit were protected by attorney/client privilege, additional emails (p.455-458) from the Insurance representative stated both cases are expected to resolve well within the insured policies' limits. As such the litigations appears to be minor in nature. - Due Diligence Vendor-06/03/2025 |  | Resolved-After further review, the litigation is accepted by the insurance carrier for pending suites. None are structural in nature,. - Due Diligence Vendor-07/10/2025<br>| Months Reserves exceed minimum required - Borrower verified 17.74 months of PITIA reserves, 6 months minimum required.<br>Qualifying FICO score is at least 20 points above minimum for program - 798 qualifying FICO score, 680 minimum score required. | Credit Score 30+ points >greater than the minimum required.<br> Reserves exceed requirement by 10 months or more | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837632 | xxxxxx D B A | Closed | xxxxxx | 2025-06-03 14:10 | 2025-06-04 16:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Partial | Resolved-After further review, the policy does included property coverage. - Due Diligence Vendor-06/04/2025 <br> Open-Condo Master Insurance Policy Partially Provided Master policy provided does not indicate that the property insurance coverage amount is at least equal to 100% of the replacement cost value of the project improvements, including common elements and residential structures, as of the current property insurance policy effective date. Coverage only shows liability and earthquake coverage, no other hazard insurance shown with sufficient coverage. - Due Diligence Vendor-06/03/2025 |  | Resolved-After further review, the policy does included property coverage. - Due Diligence Vendor-06/04/2025<br>| Months Reserves exceed minimum required - Borrower verified 17.74 months of PITIA reserves, 6 months minimum required.<br>Qualifying FICO score is at least 20 points above minimum for program - 798 qualifying FICO score, 680 minimum score required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837632 | xxxxxx D B A | Closed | xxxxxx | 2025-05-30 11:49 | 2025-05-30 11:49 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/30/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/30/2025<br>| Months Reserves exceed minimum required - Borrower verified 17.74 months of PITIA reserves, 6 months minimum required.<br>Qualifying FICO score is at least 20 points above minimum for program - 798 qualifying FICO score, 680 minimum score required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 837633 | xxxxxx C B A | Closed | xxxxxx | 2025-05-08 13:23 | 2025-05-20 16:13 | 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-05/20/2025 <br>Ready for Review-Document Uploaded. Please find the attached Exhibit A. - Seller-05/19/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description in mortgage chain. - Due Diligence Vendor-05/08/2025 | Ready for Review-Document Uploaded. Please find the attached Exhibit A. - Seller-05/19/2025 | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-05/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 720 is higher than the 680 minimum required <br>Months Reserves exceed minimum required - Reserves 6.06 is higher than the minimum required 4 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837633 | xxxxxx C B A | Closed | xxxxxx | 2025-05-08 12:36 | 2025-05-08 12:36 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing - Originator waiver applied to non-material Findings - Due Diligence Vendor-05/08/2025 |  | Waived-Required Affiliated Business Disclosure Missing - Originator waiver applied to non-material Findings - Due Diligence Vendor-05/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 720 is higher than the 680 minimum required <br>Months Reserves exceed minimum required - Reserves 6.06 is higher than the minimum required 4 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 837671 | xxxxxx C A | Closed | xxxxxx | 2025-05-23 14:11 | 2025-05-29 13:45 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-After further review, the inquires are over 90-days old or for the subject transaction. - Due Diligence Vendor-05/29/2025 <br>Open-LOX for credit inquiries is missing. Credit report reflects inquiries in the last 90 days. Missing the required letter of explanation for inquiries. - Due Diligence Vendor-05/23/2025 |  | Resolved-After further review, the inquires are over 90-days old or for the subject transaction. - Due Diligence Vendor-05/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 788, guideline minimum is 700<br>CLTV is less than guidelines maximum - TThe calculated CLTV is 54.58%, guideline maximum is 75% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837673 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 837676 | xxxxxx D A | Closed | xxxxxx | 2025-06-03 09:15 | 2025-06-09 10:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Received Flood Cert. - Due Diligence Vendor-06/09/2025 <br>Open-Missing Flood Certificate Flood cert is required - Due Diligence Vendor-06/03/2025 |  | Resolved-Received Flood Cert. - Due Diligence Vendor-06/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 726 FICO, 660 required<br>Months Reserves exceed minimum required - 11 months reserves documented, 6 months required |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837782 | xxxxxx D A | Closed | xxxxxx | 2025-06-11 20:54 | 2025-06-12 13:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Partial | Resolved-After further review, the xxxxxx association is listed as the insured as required. - Due Diligence Vendor-06/12/2025 <br> Open-Condo Master Insurance Policy Partially Provided Master policy does not reflect borrower or subject information with loan number. - Due Diligence Vendor-06/12/2025 |  | Resolved-After further review, the xxxxxx association is listed as the insured as required. - Due Diligence Vendor-06/12/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 806 guidelines require 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837797 | xxxxxx D A | Closed | xxxxxx | 2025-05-30 10:43 | 2025-06-06 11:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Note provided. proof of the 4/1/25 payment on credit. - Due Diligence Vendor-06/06/2025 <br> Ready for Review- xxxxxx is the 1st pmt, so there is no VOM. That's why I sent the note. - Seller-06/03/2025 <br> Counter-Received PITIA only-original finding remains-missing VOM. - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. REO - xxxxxx is the primary residence of the borrower, and this property was recently refinanced. Please see attached the Note, Insurance, Flood Ins, Tax for REO - xxxxxx. In addition, the rent for subject property-xxxxxx used the monthly market rent in appraisal. - Seller-05/30/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOM for the primary residence xxxxxx . Settlement statement for recent refinance in file supports taxes and insurance. However missing the total P&I payment. - Due Diligence Vendor-05/30/2025 | Ready for Review- xxxxxx is the 1st pmt, so there is no VOM. That's why I sent the note. - Seller-06/03/2025 <br> Ready for Review-Document Uploaded. REO - xxxxxx is the primary residence of the borrower, and this property was recently refinanced. Please see attached the Note, Insurance, Flood Ins, Tax for REO - xxxxxx. In addition, the rent for subject property-xxxxxx used the monthly market rent in appraisal. - Seller-05/30/2025 | Resolved-Note provided. proof of the 4/1/25 payment on credit. - Due Diligence Vendor-06/06/2025<br>| LTV is less than guideline maximum - LTV is 75% and max allowed is 80%<br>Qualifying DTI below maximum allowed - DTI is 29.59% and max allowed is 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 793 and minimum allowed is 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837797 | xxxxxx D A | Closed | xxxxxx | 2025-05-30 11:06 | 2025-06-05 16:06 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received confirmation Occupancy Affidavit is acceptable. - Due Diligence Vendor-06/05/2025 <br>Ready for Review-Document Uploaded. Please check the attached email chain with Client. the business purpose affidavit disclosure is not required. - Seller-06/03/2025 <br>Counter-Received duplicate documentation-business purpose affidavit is required. - Due Diligence Vendor-06/03/2025 <br>Ready for Review-Document Uploaded. Although the subject property is investment, If there is an occupancy and financial status affidavit, the business purpose affidavit disclosure is not required. We have always proceeded this way with Client. - Seller-05/30/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing. Business Purpose Affidavit is required. - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. Please check the attached email chain with Client. the business purpose affidavit disclosure is not required. - Seller-06/03/2025 <br> Ready for Review-Document Uploaded. Although the subject property is investment, If there is an occupancy and financial status affidavit, the business purpose affidavit disclosure is not required. We have always proceeded this way with Client. - Seller-05/30/2025 | Resolved-Received confirmation Occupancy Affidavit is acceptable. - Due Diligence Vendor-06/05/2025<br>| LTV is less than guideline maximum - LTV is 75% and max allowed is 80%<br>Qualifying DTI below maximum allowed - DTI is 29.59% and max allowed is 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 793 and minimum allowed is 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837797 | xxxxxx D A | Closed | xxxxxx | 2025-05-30 10:04 | 2025-06-03 17:21 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received escrow instructions reflecting total EMD. - Due Diligence Vendor-06/03/2025 <br>Ready for Review-Document Uploaded. Please see attached addendum. - Seller-06/03/2025 <br>Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Missing copy of the Purchase Contract Addendum reflecting the correct EMD amount of $79,500. - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. Please see attached addendum. - Seller-06/03/2025 | Resolved-Received escrow instructions reflecting total EMD. - Due Diligence Vendor-06/03/2025<br>| LTV is less than guideline maximum - LTV is 75% and max allowed is 80%<br>Qualifying DTI below maximum allowed - DTI is 29.59% and max allowed is 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 793 and minimum allowed is 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837804 | xxxxxx D A | Closed | xxxxxx | 2025-06-03 06:26 | 2025-06-09 10:54 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National but ACH form is not in file | Resolved-Received ACH - Due Diligence Vendor-06/09/2025 <br>Open-Foreign National but the ACH form is Missing from file. Automatic Payment Authorization (ACH) Form is required for all foreign national borrowers. - Due Diligence Vendor-06/03/2025 |  | Resolved-Received ACH - Due Diligence Vendor-06/09/2025<br>| LTV is less than guideline maximum - 60% LTV is less than 70% maximum.<br>Months Reserves exceed minimum required - 22.4 months reserves and no reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837804 | xxxxxx D A | Closed | xxxxxx | 2025-06-03 05:39 | 2025-06-03 15:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Passport provided. - Due Diligence Vendor-06/03/2025 <br>Open-Borrower Citizenship Documentation Is Missing Missing full copy of borrower's valid and unexpired passport (including photograph) required per guidelines. File includes copy of photograph page only.<br>- Due Diligence Vendor-06/03/2025 |  | Resolved-Passport provided. - Due Diligence Vendor-06/03/2025<br>| LTV is less than guideline maximum - 60% LTV is less than 70% maximum.<br>Months Reserves exceed minimum required - 22.4 months reserves and no reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837816 | xxxxxx D A | Closed | xxxxxx | 2025-05-13 09:44 | 2025-05-20 16:34 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received budget and HOA cert. - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. xxxxxx, please use attached - Seller-05/16/2025 <br> Counter-Received HOA Condo Questionnaire-HOA has not been transferred to unit owners-not eligible for Limited Review. Provide all required documentation for full review or CPM.. - Due Diligence Vendor-05/16/2025 <br> Ready for Review-Document Uploaded. HOA Questionnaire attached - Seller-05/15/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing Condo Quest - Due Diligence Vendor-05/13/2025 | Ready for Review-Document Uploaded. xxxxxx, please use attached - Seller-05/16/2025 <br> Ready for Review-Document Uploaded. HOA Questionnaire attached - Seller-05/15/2025 | Resolved-Received budget and HOA cert. - Due Diligence Vendor-05/20/2025<br>| Months Reserves exceed minimum required - • Qualifying Assets calculated at 6.57 Months of reserves; 4 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 733; guidelines require 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837816 | xxxxxx D A | Closed | xxxxxx | 2025-05-13 10:07 | 2025-05-16 15:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/16/2025 <br>Ready for Review-Document Uploaded. Soft pull attached - Seller-05/15/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing Cred Gap - Due Diligence Vendor-05/13/2025 | Ready for Review-Document Uploaded. Soft pull attached - Seller-05/15/2025 | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/16/2025<br>| Months Reserves exceed minimum required - • Qualifying Assets calculated at 6.57 Months of reserves; 4 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 733; guidelines require 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837891 | xxxxxx B A | Closed | xxxxxx | 2025-06-06 09:17 | 2025-06-09 16:04 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Client waiver applied to non-material findings. - Due Diligence Vendor-06/09/2025 <br>Open-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings.<br> - Due Diligence Vendor-06/06/2025 |  | Resolved-Client waiver applied to non-material findings. - Due Diligence Vendor-06/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660 / Borrower FICO 682<br>LTV is less than guideline maximum - Max LTV 75% / Subject LTV 54.57% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837911 | xxxxxx D B A C | Closed | xxxxxx | 2025-05-15 07:39 | 2025-05-20 16:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-05/20/2025 <br>Ready for Review-Document Uploaded. Soft pull attached - Seller-05/16/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-05/15/2025 | Ready for Review-Document Uploaded. Soft pull attached - Seller-05/16/2025 | Resolved-Received Gap Report. - Due Diligence Vendor-05/20/2025<br>| Months Reserves exceed minimum required - 4 mo's reserves with min 6 mo's required. <br>Credit history exceeds minimum required - Credit history exceeds 48 mo's with 0x30 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837911 | xxxxxx D B A C | Closed | xxxxxx | 2025-05-13 10:12 | 2025-05-19 10:31 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-Received PCCD xxxxxx with the correct disbursement date of xxxxxx. - Due Diligence Vendor-05/19/2025 <br> Ready for Review-Document Uploaded. Please see PCCD - Seller-05/16/2025 <br> Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. -----Final CD shows disbursement date of xxxxxx, but closing date is xxxxxx. Provide evidence the loan did not disburse prior to closing. <br> - Due Diligence Vendor-05/13/2025 | Ready for Review-Document Uploaded. Please see PCCD - Seller-05/16/2025 | Resolved-Received PCCD xxxxxx with the correct disbursement date of xxxxxx. - Due Diligence Vendor-05/19/2025 | Months Reserves exceed minimum required - 4 mo's reserves with min 6 mo's required. <br>Credit history exceeds minimum required - Credit history exceeds 48 mo's with 0x30 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837911 | xxxxxx D B A C | Closed | xxxxxx | 2025-05-13 09:49 | 2025-05-13 09:49 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-05/13/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-05/13/2025<br>| Months Reserves exceed minimum required - 4 mo's reserves with min 6 mo's required. <br>Credit history exceeds minimum required - Credit history exceeds 48 mo's with 0x30 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 837914 | xxxxxx C B A | Closed | xxxxxx | 2025-05-14 10:03 | 2025-05-20 15:51 | 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-05/20/2025 <br> Ready for Review-Document Uploaded. attached - Seller-05/20/2025 <br> Counter-Document was not attached. - Due Diligence Vendor-05/19/2025 <br> Ready for Review-RECORDED DOT WITH LEGAL Descripition - Seller-05/19/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. ----- legal description missing. - Due Diligence Vendor-05/14/2025 | Ready for Review-Document Uploaded. attached - Seller-05/20/2025 <br> Ready for Review-RECORDED DOT WITH LEGAL Descripition - Seller-05/19/2025 | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-05/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660 / Borrower FICO 703<br>Months Reserves exceed minimum required - 37.09 mos reserves; 4 mos required<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income of $5,507.79 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837914 | xxxxxx C B A | Closed | xxxxxx | 2025-05-15 15:09 | 2025-05-20 15:50 | Resolved | 1 - Information C A | Credit | Eligibility | Missing or incomplete documentation for xxxxxx | Resolved-Received PPA. - Due Diligence Vendor-05/20/2025 <br> Ready for Review-This is a PPA so we don't need to include the payment in the DTI. Please waived the condition or advise <br>- Seller-05/20/2025 <br> Counter-Purchase agreement provided, however we are missing the payment term to include in the DTI as required by xxxxxx. - Due Diligence Vendor-05/19/2025 <br> Open-Document Uploaded. xxxxxx AGREEEMTN - Seller-05/15/2025 | Ready for Review-This is a PPA so we don't need to include the payment in the DTI. Please waived the condition or advise <br>- Seller-05/20/2025 | Resolved-Received PPA. - Due Diligence Vendor-05/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660 / Borrower FICO 703<br>Months Reserves exceed minimum required - 37.09 mos reserves; 4 mos required<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income of $5,507.79 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837914 | xxxxxx C B A | Closed | xxxxxx | 2025-05-14 08:46 | 2025-05-14 08:46 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-05/14/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-05/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660 / Borrower FICO 703<br>Months Reserves exceed minimum required - 37.09 mos reserves; 4 mos required<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income of $5,507.79 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 837920 | xxxxxx B A | Closed | xxxxxx | 2025-05-12 10:29 | 2025-05-12 10:29 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-05/12/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-05/12/2025<br>| Months Reserves exceed minimum required - 25 Months of reserves; 0 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 712; guidelines require 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 837924 | xxxxxx C B A | Closed | xxxxxx | 2025-05-13 19:13 | 2025-05-19 16:56 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received tax preparer letter stating the business phone does not require to be public due to nature of its xxxxxx business.<br> - Due Diligence Vendor-05/19/2025 <br> Ready for Review-Document Uploaded. Please review the CAP letter, already included on p.96 of the uploaded pkg. - Seller-05/16/2025 <br> Open-Missing business number internet search. Per guidelines - Business phone number must be verifiable via Google Search, 411.com or internet - Due Diligence Vendor-05/15/2025 | Ready for Review-Document Uploaded. Please review the CAP letter, already included on p.96 of the uploaded pkg. - Seller-05/16/2025 | Resolved-Received tax preparer letter stating the business phone does not require to be public due to nature of its xxxxxx business.<br> - Due Diligence Vendor-05/19/2025 | Qualifying DTI below maximum allowed - Guidelines allow DTI to 49.99%. Qualifying DTI is 42.71%. <br>Verified employment history exceeds guidelines - 32+ months employment history exceeds guidelines |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837924 | xxxxxx C B A | Closed | xxxxxx | 2025-05-12 12:07 | 2025-05-12 12:08 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material findings. - Due Diligence Vendor-05/12/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material findings. - Due Diligence Vendor-05/12/2025<br>| Qualifying DTI below maximum allowed - Guidelines allow DTI to 49.99%. Qualifying DTI is 42.71%. <br>Verified employment history exceeds guidelines - 32+ months employment history exceeds guidelines |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 837925 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 837926 | xxxxxx D B A | Closed | xxxxxx | 2025-05-16 14:54 | 2025-05-27 13:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-A Bank statement income calculation worksheet is not required per guides. - Due Diligence Vendor-05/27/2025 <br> Ready for Review-Document Uploaded. trust account - Seller-05/27/2025 <br> Counter-Please provide the bank statement worksheet used to calculate the income. - Due Diligence Vendor-05/23/2025 <br> Ready for Review-cash flow - Seller-05/21/2025 <br> Counter-Please provide bank statement income analysis/lenders worksheet. - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. 1008 AND xxxxxx Bank account - Seller-05/19/2025 <br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. trust account - Seller-05/27/2025 <br> Ready for Review-cash flow - Seller-05/21/2025 <br> Ready for Review-Document Uploaded. 1008 AND xxxxxx Bank account - Seller-05/19/2025 | Resolved-A Bank statement income calculation worksheet is not required per guides. - Due Diligence Vendor-05/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 786 FICO; 680 required<br>Months Reserves exceed minimum required - 25.62 mos reserves; 4 mos required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837926 | xxxxxx D B A | Closed | xxxxxx | 2025-05-16 14:55 | 2025-05-23 15:20 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received internet search - Due Diligence Vendor-05/23/2025 <br> Ready for Review-Document Uploaded. google - Seller-05/21/2025 <br> Counter-No documents received-please re upload. - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Ggoogle search - Seller-05/19/2025 <br> Open-Missing verification of business phone number via Google Search, 411.com or internet - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. google - Seller-05/21/2025 <br>Ready for Review-Ggoogle search - Seller-05/19/2025<br>| Resolved-Received internet search - Due Diligence Vendor-05/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 786 FICO; 680 required<br>Months Reserves exceed minimum required - 25.62 mos reserves; 4 mos required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837926 | xxxxxx D B A | Closed | xxxxxx | 2025-05-15 15:41 | 2025-05-20 15:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. xxxxxx - Seller-05/19/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. xxxxxx - Seller-05/19/2025 | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 786 FICO; 680 required<br>Months Reserves exceed minimum required - 25.62 mos reserves; 4 mos required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837926 | xxxxxx D B A | Closed | xxxxxx | 2025-05-14 08:06 | 2025-05-14 08:36 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-05/14/2025 |  | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-05/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 786 FICO; 680 required<br>Months Reserves exceed minimum required - 25.62 mos reserves; 4 mos required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 837927 | xxxxxx C A | Closed | xxxxxx | 2025-05-13 09:50 | 2025-05-20 16:14 | Resolved | 1 - Information C A | Credit | Eligibility | Property subject to a lien that could take priority according to the 1003 declaration | Resolved-Received revised post close 1003. - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. please see post 1003 - Seller-05/16/2025 <br> Open-Property subject to a lien that could take priority according to the 1003 declaration. Decelerations section on Final 1003 section 5a question E is answered "YES" for a a lien that could take priority. Lender to provide additional details. Additional conditions may apply. - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. please see post 1003 - Seller-05/16/2025 | Resolved-Received revised post close 1003. - Due Diligence Vendor-05/20/2025<br>| Qualifying DTI below maximum allowed - DTI 34.31% is lower than max allowed 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 730 is higher than 660 minimum required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837933 | xxxxxx C A | Closed | xxxxxx | 2025-05-28 15:34 | 2025-06-06 12:24 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National but ACH form is not in file | Resolved-Received complete ACH - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. Corrected ACH. Manual upload. - Buyer-06/05/2025 <br> Counter-Received ACH-all boxes must be complete. Missing phone and address for Financial Institution. - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. Manual upload. - Buyer-06/02/2025 <br> Open-Foreign National but the ACH form is Missing from file. - Due Diligence Vendor-05/28/2025 |  | Resolved-Received complete ACH - Due Diligence Vendor-06/06/2025<br>| Months Reserves exceed minimum required - 5 months available vs. 0 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837936 | xxxxxx C A | Closed | xxxxxx | 2025-05-29 07:37 | 2025-06-04 12:35 | 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-06/04/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing "Exhibit A" legal description attached to the DOT. - Due Diligence Vendor-05/29/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-06/04/2025<br>| Qualifying DTI below maximum allowed - Guidelines allow DTI to 50%. Qualifying DTI is 41.19%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 778 is higher than minimum required 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837942 | xxxxxx D A | Closed | xxxxxx | 2025-06-17 20:20 | 2025-07-02 10:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received preliminary title report with effective date. - Due Diligence Vendor-07/02/2025 <br> Open-Title Document is Incomplete Title commitment effective date was not provided on title commitment. - Due Diligence Vendor-06/18/2025 |  | Resolved-Received preliminary title report with effective date. - Due Diligence Vendor-07/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 780 Qualifying FICO score is at least 20 points above 660 minimum for program<br>Qualifying DTI below maximum allowed - 32.55% Qualifying DTI below 50% maximum allowed |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837986 | xxxxxx C B A | Closed | xxxxxx | 2025-05-22 08:46 | 2025-05-27 13:38 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client exception granted to allow less than min. allowed reserved. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-05/27/2025 <br> Open-Audited Reserves of 6.65 month(s) are less than Guideline Required Reserves of 12 month(s) - Due Diligence Vendor-05/22/2025 |  | Waived-Client exception granted to allow less than min. allowed reserved. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-05/27/2025<br>| Long term residence - 4 Years<br>LTV is less than guideline maximum - LTV 65% LTV. Allowed 75% | 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines <br> 2 - 0x30 for 24 months on all mortgages | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 837990 | xxxxxx B A | Closed | xxxxxx | 2025-05-27 09:27 | 2025-05-27 09:33 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-05/27/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-05/27/2025<br>| Months Reserves exceed minimum required - 34 months PITIA reserves; 4 months reserves required.<br>Qualifying DTI below maximum allowed - Qualifying DTI 38%; max permitted 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 837995 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 838013 | xxxxxx C B A | Closed | xxxxxx | 2025-05-29 09:18 | 2025-06-26 15:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Foreign National but ACH form is not in file | Waived-The request for an exception to Client's eligibility criteria is granted for incomplete ACH Form. - Due Diligence Vendor-06/26/2025 <br>Counter-Received signed ACH-all boxes must be complete. - Due Diligence Vendor-06/03/2025 <br>Ready for Review-Document Uploaded. ACH form attached. - Buyer-06/02/2025 <br>Open-Foreign National but the ACH form is Missing from file. Required per guides - Due Diligence Vendor-05/29/2025 |  | Waived-The request for an exception to Client's eligibility criteria is granted for incomplete ACH Form. - Due Diligence Vendor-06/26/2025<br>| DSCR % greater than 1.20 - 1.715<br>Months Reserves exceed minimum required - 3 months available vs. 0 required | Compensating Factor 1 - DSCR > 1.3 / Compensating Factor 2 - Reserves exceed requirement by 2 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 838019 | xxxxxx D A C | Closed | xxxxxx | 2025-06-02 11:50 | 2025-06-17 16:28 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Additional comments from the appraiser were provided stating no value was given to the ADU. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. Re-uploaded. Please see attached from the seller. xxxxxx! - Buyer-06/17/2025 <br> Counter-Review did not receive attachment-please re upload - Due Diligence Vendor-06/17/2025 <br> Counter-Received appraisers commentary-office/storage shed does not sufficiently demonstrate improvements are typical for the market. Original finding remains. - Due Diligence Vendor-06/06/2025 <br> Open-Subject has a xxxxxx/ADU. Per guides, the appraiser must demonstrate that improvements are typical for the market through an analysis of at least one comparable property with the same use and same number of ADUs. Appraiser provides no comps with a xxxxxx and comments there are none available within the xxxxxx, but value was still given to the ADU. (Note, B2 is missing from the appraisal.) - Due Diligence Vendor-06/02/2025 |  | Resolved-Additional comments from the appraiser were provided stating no value was given to the ADU. - Due Diligence Vendor-06/17/2025<br>| Months Reserves exceed minimum required - No reserves required per guidelines. Borrower has 43.93 months reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Min Fico required 680. Qualifying Fico 734. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838019 | xxxxxx D A C | Closed | xxxxxx | 2025-06-02 12:15 | 2025-06-17 11:18 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-Received LOE and further explanation. - Due Diligence Vendor-06/17/2025 <br> Counter-Documentation received is insufficient-finding remains. - Due Diligence Vendor-06/06/2025 <br> Open-Missing documentation to support primary occupancy. B1 and B2 are divorced. B1 relinquished property to B2 in xxxxxx. B2 then gave property back xxxxxx xxxxxx. Both DL for B1 and B2 show residing at sisters house (per letter of explanation provided). Credit for both B1 and B2 do not reflect recent primary housing is at the subject property. - Due Diligence Vendor-06/02/2025 |  | Resolved-Received LOE and further explanation. - Due Diligence Vendor-06/17/2025<br>| Months Reserves exceed minimum required - No reserves required per guidelines. Borrower has 43.93 months reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Min Fico required 680. Qualifying Fico 734. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838019 | xxxxxx D A C | Closed | xxxxxx | 2025-06-02 11:50 | 2025-06-13 09:45 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received confirmation from insurance provider RCE is most current. - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. Please see attached Insurance agent's Confirmation. RCE is Valid. - Buyer-06/12/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Missing insurer's replacement cost calculation as of the current property insurance policy effective date. Coverage does not equal 80% of the total loan amount (including both the first and second). - Due Diligence Vendor-06/02/2025 |  | Resolved-Received confirmation from insurance provider RCE is most current. - Due Diligence Vendor-06/13/2025<br>| Months Reserves exceed minimum required - No reserves required per guidelines. Borrower has 43.93 months reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Min Fico required 680. Qualifying Fico 734. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838019 | xxxxxx D A C | Closed | xxxxxx | 2025-06-02 15:52 | 2025-06-06 10:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Divorce Decree | Resolved-Received divorce decree. - Due Diligence Vendor-06/06/2025 <br> Open-Per title history and insurance policy from 2023 borrower's were previously married and are now unmarried. Missing divorce decree. - Due Diligence Vendor-06/02/2025 |  | Resolved-Received divorce decree. - Due Diligence Vendor-06/06/2025<br>| Months Reserves exceed minimum required - No reserves required per guidelines. Borrower has 43.93 months reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Min Fico required 680. Qualifying Fico 734. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838019 | xxxxxx D A C | Closed | xxxxxx | 2025-06-02 12:29 | 2025-06-06 10:41 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOE for credit inquiries. - Due Diligence Vendor-06/06/2025 <br> Open-LOX for credit inquiries is missing. Missing letter of explanation from B1 for CC inquiry on Credit Refresh. Additional findings may apply. - Due Diligence Vendor-06/02/2025 |  | Resolved-Received LOE for credit inquiries. - Due Diligence Vendor-06/06/2025<br>| Months Reserves exceed minimum required - No reserves required per guidelines. Borrower has 43.93 months reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Min Fico required 680. Qualifying Fico 734. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838019 | xxxxxx D A C | Closed | xxxxxx | 2025-06-02 12:01 | 2025-06-06 10:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Income) | Resolved-Received LOE regarding business renovations. - Due Diligence Vendor-06/06/2025 <br> Open-Missing letter of explanation for minimal to no earnings for the months of April, May, June, and July. Appears business started operating August 2024. - Due Diligence Vendor-06/02/2025 |  | Resolved-Received LOE regarding business renovations. - Due Diligence Vendor-06/06/2025<br>| Months Reserves exceed minimum required - No reserves required per guidelines. Borrower has 43.93 months reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Min Fico required 680. Qualifying Fico 734. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838019 | xxxxxx D A C | Closed | xxxxxx | 2025-06-02 16:01 | 2025-06-04 13:01 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-After further review, the appraisal was completed after the disaster and no damage was reported. - Due Diligence Vendor-06/04/2025 <br> Counter-Documentation received is insufficient--guidelines require commentary by appraiser--The appraiser should provide a statement indicating if the subject property is free from any damage, is in the same condition as the previous inspection, and the marketability and value remain the same. - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Please note Client Guidelines 4/21/2025 were updated on this requirement. No longer required.<br> 2.9.9.2 Appraisal Completed After Disaster Event: Removed requirement for appraiser to comment on the adverse event. - Seller-06/02/2025 <br> Open-Individual – xxxxxx – Incident Period: xxxxxx – File is missing Appraiser Comment – NO Damage/No Impact to Marketability from Fires - Due Diligence Vendor-06/02/2025 | Ready for Review-Please note Client Guidelines 4/21/2025 were updated on this requirement. No longer required.<br> 2.9.9.2 Appraisal Completed After Disaster Event: Removed requirement for appraiser to comment on the adverse event. - Seller-06/02/2025 | Resolved-After further review, the appraisal was completed after the disaster and no damage was reported. - Due Diligence Vendor-06/04/2025<br>| Months Reserves exceed minimum required - No reserves required per guidelines. Borrower has 43.93 months reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Min Fico required 680. Qualifying Fico 734. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838023 | xxxxxx C B A | Closed | xxxxxx | 2025-06-12 10:33 | 2025-06-12 17:02 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Waived-Client exception granted to allow less than two years self employed. Non-material waiver applied with comp factors. Deemed non-material due to only being 3 months short of 24 months. - Due Diligence Vendor-06/12/2025 <br> Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months Business started in September 2023 making time in business 21 months - Due Diligence Vendor-06/12/2025 |  | Waived-Client exception granted to allow less than two years self employed. Non-material waiver applied with comp factors. Deemed non-material due to only being 3 months short of 24 months. - Due Diligence Vendor-06/12/2025 | Months Reserves exceed minimum required - Verified reserves equal 29.93 months, guidelines require 3 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 778, guideline minimum is 680.<br>LTV is less than guideline maximum - 80% < 90% max allowed | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines. Credit score 30+ points gretaser than minimum required. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 838045 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other |  |  |  |
| 838047 | xxxxxx C B A | Closed | xxxxxx | 2025-06-12 09:47 | 2025-07-10 12:16 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Waived-Client exception fom in the file for less than 2 years self employment history. Exception waived and non-material - Due Diligence Vendor-06/13/2025 <br> Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months borrower has owned the current business since March 2024, less than 2 years. But the business itself has been in existence<br> for over 2 years (since 2013). - Due Diligence Vendor-06/12/2025 |  | Waived-Client exception fom in the file for less than 2 years self employment history. Exception waived and non-material - Due Diligence Vendor-06/13/2025<br>| LTV is less than guideline maximum - 90% allowed, subject 80%. <br>Qualifying FICO score is at least 20 points above minimum for program - 660 required, subject 743 | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br>Credit Score 20 points > minimum required | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 838047 | xxxxxx C B A | Closed | xxxxxx | 2025-06-11 15:16 | 2025-06-18 09:13 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received initial CD xxxxxx, e-signed xxxxxx. - Due Diligence Vendor-06/18/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. \*\*\*\*\*Initial CD receipt date of xxxxxx is less than three business days prior to closing date of xxxxxx. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-06/11/2025 |  | Resolved-Received initial CD xxxxxx, e-signed xxxxxx. - Due Diligence Vendor-06/18/2025 | LTV is less than guideline maximum - 90% allowed, subject 80%. <br>Qualifying FICO score is at least 20 points above minimum for program - 660 required, subject 743 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838055 | xxxxxx D B A | Closed | xxxxxx | 2025-05-30 09:48 | 2025-06-09 10:44 | Resolved | 1 - Information C A | Credit | Insurance | xxxxxx Coverage not met | Resolved-Received Master Policy w/sufficient xxxxxx coverage. - Due Diligence Vendor-06/09/2025 <br> Open-xxxxxx Coverage not met. missing xxxxxx coverage. - Due Diligence Vendor-05/30/2025 |  | Resolved-Received Master Policy w/sufficient xxxxxx coverage. - Due Diligence Vendor-06/09/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 28.8 ; max is 45%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 795; minimum score 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838055 | xxxxxx D B A | Closed | xxxxxx | 2025-05-30 09:48 | 2025-05-30 12:30 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Condo Master Insurance Policy is Partial | Waived-Client exception granted to allow insufficient project coverage. Deemed non-material due to lender blanket variance allowed by client. Borrower has separate HOI coverage in addition to Master Coverage- Due Diligence Vendor-05/30/2025 <br> Open-Condo Master Insurance Policy Partially Provided Insufficient master policy property coverage for number of units. - Due Diligence Vendor-05/30/2025 |  | Waived-Client exception granted to allow insufficient project coverage. Deemed non-material due to lender blanket variance allowed by client. Borrower has separate HOI coverage in addition to Master Coverage- Due Diligence Vendor-05/30/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 28.8 ; max is 45%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 795; minimum score 680. | Credit 20+ points over min<br> LTV <5% under max allowed<br> DTI < 40%<br> Residual income $12K | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 838055 | xxxxxx D B A | Closed | xxxxxx | 2025-05-30 10:58 | 2025-05-30 12:28 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-After further review, the litigation is accepted by the insurance carrier for all three pending suites. None are structural in nature. - Due Diligence Vendor-05/30/2025 <br> Open-3 pending litigations<br> 1. The case involves an allegation that the plaintiff xxxxxx (Pg1063) tripped and fell over a concrete lip located in defendants' common area entry way to her xxxxxx The lawsuit is against the HOA, it is Minor, and the lawsuit does not relate to the building's safety, structural or functionality. There was no amount disclosed in the lawsuit, and the lawsuit is covered by insurance (page 1057). <br>2. The case involves an allegation that the plaintiff xxxxxx (Pg1100 & pg 1109) claiming that mutual breached the governing documents by not granting membership and not allowing him to lease the subject unit. The lawsuit is against the HOA, it is Minor, and the lawsuit does not relate to the building's safety, structural or functionality. There was no amount disclosed in the lawsuit, and the lawsuit is covered by insurance.<br>3. The case involves an allegation that the plaintiff Wager (Pg1113) this case involves several allegations surrounding and alleged wrongful termination of lease and occupancy of rental unit. (pg1117-1118) and the lawsuit is against the HOA, it is Minor, and the lawsuit does not relate to the building's safety, structural or functionality. There was no amount disclosed in the lawsuit, and the lawsuit is covered by insurance.<br> - Due Diligence Vendor-05/30/2025 |  | Resolved-After further review, the litigation is accepted by the insurance carrier for all three pending suites. None are structural in nature. - Due Diligence Vendor-05/30/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 28.8 ; max is 45%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 795; minimum score 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838065 | xxxxxx D A | Closed | xxxxxx | 2025-06-19 10:19 | 2025-07-01 09:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received confirmation of enrolled agent from IRS. - Due Diligence Vendor-07/01/2025 <br> Ready for Review-Document Uploaded. Print out from the IRS confirming xxxxxx is a licensed enrolled agent with the IRS. - Buyer-06/30/2025 <br> Counter-Received duplicate documentation-tax preparer letter reflects completed by Enrolled Agent-letter is missing license number. Provide license number through validation or addition to letter. - Due Diligence Vendor-06/26/2025 <br> Open-EA license is missing - Due Diligence Vendor-06/19/2025 |  | Resolved-Received confirmation of enrolled agent from IRS. - Due Diligence Vendor-07/01/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 24%; max permitted 50%.<br>Months Reserves exceed minimum required - 21 months PITIA reserves; 3 months reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 838068 | xxxxxx C A | Closed | xxxxxx | 2025-06-14 16:37 | 2025-06-26 10:08 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC xxxxxx - Due Diligence Vendor-06/26/2025 <br> Resolved- - Due Diligence Vendor-06/26/2025 <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 $125.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $125.00 (Tract Search Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $125.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is xxxxxx.<br> - Due Diligence Vendor-06/14/2025 |  | Resolved-Received COC xxxxxx - Due Diligence Vendor-06/26/2025 | Months Reserves exceed minimum required - Verified assets of 12.96 months exceeds the minimum required of 3 months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO of 718 is higher than the minimum FICO required of 680 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838078 | xxxxxx C B A | Closed | xxxxxx | 2025-06-10 09:12 | 2025-06-10 10:02 | Waived | 2 - Non-Material C B | Credit | Eligibility | Escrow waiver guidelines were not met | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-06/10/2025 <br> Open-Originator exception on file to allow NQM Internal review waiving escrows when all criteria is met. Compensating factors listed. - Due Diligence Vendor-06/10/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-06/10/2025<br>| Months Reserves exceed minimum required - 85 mths reserves; 6 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700, Bwr FICO 789 | LTV < 80%<br> FICO 789<br> Reserves | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 838095 | xxxxxx D A | Closed | xxxxxx | 2025-06-02 23:13 | 2025-06-10 10:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Search for Seller, title agency, escrow agent and xxxxxx. - Due Diligence Vendor-06/10/2025 <br> Counter-Fraud report received does not reflect all parties searched-missing seller, title agency, escrow agent, xxxxxx. - Due Diligence Vendor-06/06/2025 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-06/03/2025 |  | Resolved-Received Search for Seller, title agency, escrow agent and xxxxxx. - Due Diligence Vendor-06/10/2025 | Months Reserves exceed minimum required - Minimum reserves are 12 months, Borrower has 23.41 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700, qualifying score is 804 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838105 | xxxxxx B A | Closed | xxxxxx | 2025-05-30 17:34 | 2025-06-02 13:29 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br>- Due Diligence Vendor-05/30/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br>- Due Diligence Vendor-05/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 780, guideline minimum is 680<br>Qualifying DTI below maximum allowed - Calculkated DTI is 40.38%, guideline maximum is 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 838113 | xxxxxx D A | Closed | xxxxxx | 2025-06-16 09:51 | 2025-06-23 14:16 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received SSR for the Appraised value used for qualification. Score is 1. - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. - Seller-06/20/2025 <br> Counter-Received CU reflecting a different appraised value. Original finding remains. - Due Diligence Vendor-06/20/2025 <br> Ready for Review-Document Uploaded. - Seller-06/17/2025 <br> Counter-Secondary valuation required-provide corrected CU or other acceptable secondary valuation. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Please waive - Seller-06/16/2025 <br> Open-Additional valuation product has not been provided. Missing acceptable CU to coincide with appraisal value; CU in file shows a different value than the appraisal provided. - Due Diligence Vendor-06/16/2025 | Ready for Review-Document Uploaded. - Seller-06/20/2025 <br> Ready for Review-Document Uploaded. - Seller-06/17/2025 <br> Ready for Review-Please waive - Seller-06/16/2025 | Resolved-Received SSR for the Appraised value used for qualification. Score is 1. - Due Diligence Vendor-06/23/2025<br>| Qualifying DTI below maximum allowed - DTI = 41.00% - Max DTI = 50%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 678 Min FICO = 640 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838115 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 838116 | xxxxxx D A | Closed | xxxxxx | 2025-06-05 12:46 | 2025-06-17 15:48 | Resolved | 1 - Information C A | Credit | Insurance | Flood Insurance Expiration Date is before the Note Date | Resolved-Received master Flood Insurance. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. - Seller-06/16/2025 <br> Open-Flood Insurance Expiration Date of xxxxxx is prior to the Note Date of xxxxxx File is missing Master Flood Policy Renewal from HOA - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. - Seller-06/16/2025 | Resolved-Received master Flood Insurance. - Due Diligence Vendor-06/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 744 Min FICO = 680<br>Qualifying DTI below maximum allowed - DTI = 35.46% - Max DTI = 50% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 838116 | xxxxxx D A | Closed | xxxxxx | 2025-06-05 12:54 | 2025-06-09 14:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE dated within 10 days. - Due Diligence Vendor-06/09/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing File is missing VOE within 10 Days of Note Date - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-Received VVOE dated within 10 days. - Due Diligence Vendor-06/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 744 Min FICO = 680<br>Qualifying DTI below maximum allowed - DTI = 35.46% - Max DTI = 50% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 838121 | xxxxxx D A C | Closed | xxxxxx | 2025-05-29 11:18 | 2025-06-11 09:25 | Resolved | 1 - Information C A | Credit | Eligibility | Builder in Control of the HOA | Resolved-xxxxxx. Questionnaire confirms the xxxxxx will control in 2026. - Due Diligence Vendor-06/11/2025 <br> Open-xxxxxx is in control of HOA Condo is Non-Warrantable. xxxxxx is in control of HOA - Due Diligence Vendor-05/29/2025 |  | Resolved-xxxxxx. Questionnaire confirms the Builder will control in 2026. - Due Diligence Vendor-06/11/2025 | Months Reserves exceed minimum required - 13 months reserves; 9 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838121 | xxxxxx D A C | Closed | xxxxxx | 2025-05-29 11:18 | 2025-06-06 12:12 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-06/06/2025 <br> Open-Additional valuation product has not been provided. - Missing Second valuation product. - Due Diligence Vendor-05/29/2025 |  | Resolved-Received secondary valuation. - Due Diligence Vendor-06/06/2025<br>| Months Reserves exceed minimum required - 13 months reserves; 9 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838124 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 838127 | xxxxxx D B A | Closed | xxxxxx | 2025-06-23 09:02 | 2025-06-30 10:18 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA questionnaire. - Due Diligence Vendor-06/30/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing condo questionnaire - Due Diligence Vendor-06/23/2025 |  | Resolved-Received HOA questionnaire. - Due Diligence Vendor-06/30/2025<br>| Months Reserves exceed minimum required - 16 months available vs. 0 required<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR = 1.693<br>Qualifying FICO score is at least 20 points above minimum for program - 781 vs. min 700 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838127 | xxxxxx D B A | Closed | xxxxxx | 2025-06-24 11:18 | 2025-06-24 11:19 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow. Subject property is not and was never part of a timeshare. - Due Diligence Vendor-06/24/2025 <br> Open-The project has a timeshare component which is a portion of the project. An exception was provided. <br> - Due Diligence Vendor-06/24/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow. Subject property is not and was never part of a timeshare. - Due Diligence Vendor-06/24/2025 | Months Reserves exceed minimum required - 16 months available vs. 0 required<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR = 1.693<br>Qualifying FICO score is at least 20 points above minimum for program - 781 vs. min 700 | Experienced investor<br> Credit score 30+ points > minimum required<br> DSCR > 1.3 | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 838134 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 838155 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 838165 | xxxxxx D A | Closed | xxxxxx | 2025-06-06 15:17 | 2025-06-11 11:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-06/11/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-06/09/2025 |  | Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-06/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660 / Borrower FICO 738<br>LTV is less than guideline maximum - Max LTV 90% / Subject LTV 40.54% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838168 | xxxxxx D A | Closed | xxxxxx | 2025-06-12 12:28 | 2025-06-13 16:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-06/13/2025 <br>Open-Borrower 2 Gap Credit Report is Missing Missing gap report - Due Diligence Vendor-06/13/2025 |  | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-06/13/2025 | Months Reserves exceed minimum required - Reserves = 54 months – Required Reserves = 3 Months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 754 Min FICO = 620 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838168 | xxxxxx D A | Closed | xxxxxx | 2025-06-12 12:28 | 2025-06-13 16:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/13/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing gap report - Due Diligence Vendor-06/13/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/13/2025 | Months Reserves exceed minimum required - Reserves = 54 months – Required Reserves = 3 Months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 754 Min FICO = 620 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838168 | xxxxxx D A | Closed | xxxxxx | 2025-06-12 12:34 | 2025-06-13 16:31 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-06/13/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. ATR/QM Pending - File is missing UDM/Gap Report for Both Borrowers B1 and B2 - Due Diligence Vendor-06/12/2025 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-06/13/2025 | Months Reserves exceed minimum required - Reserves = 54 months – Required Reserves = 3 Months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 754 Min FICO = 620 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838180 | xxxxxx C A | Closed | xxxxxx | 2025-05-28 06:32 | 2025-06-03 12:53 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National but ACH form is not in file | Resolved-Received ACH. - Due Diligence Vendor-06/03/2025 <br>Ready for Review-Document Uploaded. ACH form. Manual upload. - Buyer-06/02/2025 <br>Open-Foreign National but the ACH form is Missing from file. Missing ACH Form. - Due Diligence Vendor-05/28/2025 |  | Resolved-Received ACH. - Due Diligence Vendor-06/03/2025 | Long term residence - 6 Years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838186 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 838188 | xxxxxx D A | Closed | xxxxxx | 2025-05-30 07:59 | 2025-06-09 10:25 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National but ACH form is not in file | Resolved-Received completed ACH. - Due Diligence Vendor-06/09/2025 <br>Counter-Received ACH-all boxes must be complete-must include financial institutions address and phone number. - Due Diligence Vendor-06/04/2025 <br>Ready for Review-Document Uploaded. ACH form. Manual upload. - Buyer-06/03/2025 <br>Open-Foreign National but the ACH form is Missing from file. - Due Diligence Vendor-05/30/2025 |  | Resolved-Received completed ACH. - Due Diligence Vendor-06/09/2025 | LTV is less than guideline maximum - Max LTV 70% / Subject LTV 65% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838188 | xxxxxx D A | Closed | xxxxxx | 2025-05-30 12:39 | 2025-06-04 17:37 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-06/04/2025 <br>Ready for Review-Document Uploaded. BP cert. Manual upload. - Buyer-06/03/2025 <br>Open-DSCR loan, Business Purpose Affidavit/Disclosure required and not in file. - Due Diligence Vendor-05/30/2025 |  | Resolved-Received business purpose affidavit. - Due Diligence Vendor-06/04/2025 | LTV is less than guideline maximum - Max LTV 70% / Subject LTV 65% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838215 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 838217 | xxxxxx C A | Closed | xxxxxx | 2025-06-10 15:10 | 2025-06-17 10:15 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review,finding resolved. - Due Diligence Vendor-06/17/2025 <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 $905.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $905 (Title fees paid to lender affiliate) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $905, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is xxxxxx. - Due Diligence Vendor-06/10/2025 |  | Resolved-Upon further review,finding resolved. - Due Diligence Vendor-06/17/2025 | Months Reserves exceed minimum required - 15 months PITIA reserves; 3 months reserves required.<br>Qualifying DTI below maximum allowed - Qualifying DTI 26%; max permitted 50%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838223 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 838235 | xxxxxx D A | Closed | xxxxxx | 2025-06-10 08:54 | 2025-06-13 07:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Upon further review, finding resolved - Due Diligence Vendor-06/13/2025 <br> Open-Required Affiliated Business Disclosure Missing ----- Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt - Due Diligence Vendor-06/10/2025 |  | Resolved-Upon further review, finding resolved - Due Diligence Vendor-06/13/2025 | Qualifying DTI below maximum allowed - 23.84% DTI vs. max DTI of 50%<br>Months Reserves exceed minimum required - 6 months available vs. 0 required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838241 | xxxxxx D A C | Closed | xxxxxx | 2025-05-20 11:46 | 2025-06-09 15:17 | Resolved | 1 - Information C A | Credit | Eligibility | Escrow waiver guidelines were not met | Resolved-Received corrected documents reflecting escrows impounded. - Due Diligence Vendor-06/09/2025 <br> Ready for Review-Document Uploaded. xxxxxx,<br>Please see attached to cure HPML issue - Seller-06/05/2025 <br> Counter-Documentation received confirm HPML-original finding remains. - Due Diligence Vendor-05/28/2025 <br> Ready for Review-Document Uploaded. xxxxxx, per our Qm it passes on our side, please clarify condition, - Seller-05/27/2025 <br> Open-Loan is flagged as HPML - Per lender guidelines escrows / Impounds are required for property taxes and homeowner's insurance - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. xxxxxx,<br>Please see attached to cure HPML issue - Seller-06/05/2025 <br> Ready for Review-Document Uploaded. xxxxxx, per our xxxxxx it passes on our side, please clarify condition, - Seller-05/27/2025 | Resolved-Received corrected documents reflecting escrows impounded. - Due Diligence Vendor-06/09/2025 | LTV is less than guideline maximum - Max LTV 80% / Subject LTV 23.08%<br>Months Reserves exceed minimum required - Guidelines require 0 months of reserves. Qualifying reserves are 32 months. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838241 | xxxxxx D A C | Closed | xxxxxx | 2025-05-19 15:41 | 2025-06-06 17:36 | Resolved | 1 - Information C A | Compliance | Points & Fees | xxxxxx County Threshold Loan Points and Fees Test | Resolved-Upon further review, property is in xxxxxx. Original testing included xxxxxx because a small portion of properties with the zip code xxxxxx are in xxxxxx. After further review of loan documents and re-running the xxxxxx on the xxxxxx website with the property JURISDICTION set to "not situated in xxxxxx" the loan passed the county high-cost test. - Due Diligence Vendor-06/02/2025 <br> Ready for Review-the subject property is not in the xxxxxx, but in xxxxxx. Why does this xxxxxx testing matter?, could you please clear and waive this condition - Seller-05/29/2025 <br> Counter-Received Loan Detail Report dated xxxxxx which does not show the xxxxxx high-cost testing. The total points and fees of the mortgage exceed 5% of the total loan amount. Finding remains. - Due Diligence Vendor-05/28/2025 <br> Ready for Review-Document Uploaded. xxxxxx, per our Qm it passes on our side, please clarify condition, - Seller-05/27/2025 <br> Open-This loan failed the threshold loan points and fees test. (xxxxxx Ord. 240684 § 2 "Threshold loan" (2))The total points and fees of the mortgage exceed 5% of the total loan amount in the case that the loan amount is xxxxxx or greater, or xxxxxx in the case that the loan amount is less than xxxxxx. Points and fees amount of xxxxxx is over the allowable amount of xxxxxx by xxxxxx. - Due Diligence Vendor-05/19/2025 | Ready for Review-the subject property is not in the xxxxxx, but in xxxxxx. Why does this xxxxxx testing matter?, could you please clear and waive this condition - Seller-05/29/2025 <br> Ready for Review-Document Uploaded. xxxxxx, per our Qm it passes on our side, please clarify condition, - Seller-05/27/2025 | Resolved-Upon further review, property is in xxxxxx. Original testing included xxxxxx because a small portion of properties with the zip code xxxxxx are in xxxxxx. After further review of loan documents and re-running the xxxxxx on the xxxxxx website with the property JURISDICTION set to "not situated in xxxxxx" the loan passed the county high-cost test. - Due Diligence Vendor-06/02/2025 | LTV is less than guideline maximum - Max LTV 80% / Subject LTV 23.08%<br>Months Reserves exceed minimum required - Guidelines require 0 months of reserves. Qualifying reserves are 32 months. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838241 | xxxxxx D A C | Closed | xxxxxx | 2025-05-20 07:34 | 2025-05-23 15:34 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received condo questionnaire. - Due Diligence Vendor-05/23/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-05/23/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Additional Findings may apply. - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-05/23/2025 | Resolved-Received condo questionnaire. - Due Diligence Vendor-05/23/2025<br>| LTV is less than guideline maximum - Max LTV 80% / Subject LTV 23.08%<br>Months Reserves exceed minimum required - Guidelines require 0 months of reserves. Qualifying reserves are 32 months. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838241 | xxxxxx D A C | Closed | xxxxxx | 2025-05-20 07:47 | 2025-05-23 15:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-05/23/2025 <br> Ready for Review-Document Uploaded. xxxxxx attached - Seller-05/22/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. Soft pull attached - Seller-05/22/2025 | Resolved-Received credit refresh. - Due Diligence Vendor-05/23/2025 | LTV is less than guideline maximum - Max LTV 80% / Subject LTV 23.08%<br>Months Reserves exceed minimum required - Guidelines require 0 months of reserves. Qualifying reserves are 32 months. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838242 | xxxxxx C A | Closed | xxxxxx | 2025-06-09 16:40 | 2025-06-20 10:28 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received 3rd party verification. 0% owner. - Due Diligence Vendor-06/20/2025 <br> Counter-UW cert comments - Even xxxxxx business entity search shows bwr as the agent, but it doesn't mean bwr has any ownership, because the entity type is nonprofit corporation. So we used wvoe as our income type. - AUDIT RESPONSE - Please provide 3rd party verification verifying the ownership % if any. Additional Findings may apply. - Due Diligence Vendor-06/17/2025 <br> Open-Borrower is xxxxxx and xxxxxx of business. xxxxxx Business Search shows borrower as agent of business. Missing evidence of borrower's percentage of ownership, if any, in the company. Additional conditions may apply. - Due Diligence Vendor-06/09/2025 |  | Resolved-Received 3rd party verification. 0% owner. - Due Diligence Vendor-06/20/2025<br>| Qualifying DTI below maximum allowed - 35.44% DTI; 50% max allowed<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660 / Borrower FICO 705 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838244 | xxxxxx D B A | Closed | xxxxxx | 2025-05-19 12:36 | 2025-06-05 16:22 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Client has uploaded Title Supplement indicating #11 and #12 were Satisfied and will not show on Final Title Policy - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. Please see attached title supplement - Seller-06/04/2025 <br> Counter-Documentation received is insufficient-lien exceeds purchase price-acceptable confirmation the liens have been cleared and non distressed/short sale evident. - Due Diligence Vendor-05/28/2025 <br> Ready for Review-xxxxxx Could you please waive this condition, the prelim on file is from seller and that Amount: xxxxxx is not linked to the borrower xxxxxx - Seller-05/23/2025 <br> Open-Property Title Issue Title document a lien in the amount of xxxxxx items 11&12 on prelim title. File did not include a supplement that indicated items 11 &12 would be removed. - Due Diligence Vendor-05/19/2025 | Ready for Review-Document Uploaded. Please see attached title supplement - Seller-06/04/2025 <br> Ready for Review-xxxxxx Could you please waive this condition, the prelim on file is from seller and that Amount: xxxxxx is not linked to the borrower xxxxxx - Seller-05/23/2025 | Resolved-Client has uploaded Title Supplement indicating #11 and #12 were Satisfied and will not show on Final Title Policy - Due Diligence Vendor-06/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 720; guidelines require 660<br>Months Reserves exceed minimum required - • Qualifying Assets calculated at 9 Months of reserves; 4 months reserves required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838244 | xxxxxx D B A | Closed | xxxxxx | 2025-05-20 11:09 | 2025-05-28 16:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received business bank statement analysis. - Due Diligence Vendor-05/28/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-05/27/2025 <br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing income worksheet - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-05/27/2025 | Resolved-Received business bank statement analysis. - Due Diligence Vendor-05/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 720; guidelines require 660<br>Months Reserves exceed minimum required - • Qualifying Assets calculated at 9 Months of reserves; 4 months reserves required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838244 | xxxxxx D B A | Closed | xxxxxx | 2025-05-19 14:56 | 2025-05-23 15:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE. - Due Diligence Vendor-05/23/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-05/22/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing vvoe within 10 days of close not in file. - Due Diligence Vendor-05/19/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-05/22/2025 | Resolved-Received VVOE. - Due Diligence Vendor-05/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 720; guidelines require 660<br>Months Reserves exceed minimum required - • Qualifying Assets calculated at 9 Months of reserves; 4 months reserves required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838244 | xxxxxx D B A | Closed | xxxxxx | 2025-05-19 15:20 | 2025-05-23 15:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-05/23/2025 <br> Ready for Review-Document Uploaded. Soft pull attached - Seller-05/21/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing GAP Credit - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. xxxxxx attached - Seller-05/21/2025 | Resolved-Received Gap Report. - Due Diligence Vendor-05/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 720; guidelines require 660<br>Months Reserves exceed minimum required - • Qualifying Assets calculated at 9 Months of reserves; 4 months reserves required | Borrower 1 Gap Credit Report is Missing. Required on all loans. | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838244 | xxxxxx D B A | Closed | xxxxxx | 2025-05-19 15:20 | 2025-05-23 15:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received Gap Report. - Due Diligence Vendor-05/23/2025 <br> Ready for Review-Document Uploaded. Please see xxxxxx - Seller-05/21/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Unable to determine if loans current at time of close. Gap missing - Due Diligence Vendor-05/19/2025 | Ready for Review-Document Uploaded. Please see xxxxxx - Seller-05/21/2025 | Resolved-Received Gap Report. - Due Diligence Vendor-05/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 720; guidelines require 660<br>Months Reserves exceed minimum required - • Qualifying Assets calculated at 9 Months of reserves; 4 months reserves required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838244 | xxxxxx D B A | Closed | xxxxxx | 2025-05-16 16:44 | 2025-05-16 16:44 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/16/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 720; guidelines require 660<br>Months Reserves exceed minimum required - • Qualifying Assets calculated at 9 Months of reserves; 4 months reserves required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 838247 | xxxxxx B A | Closed | xxxxxx | 2025-06-17 12:30 | 2025-06-17 12:30 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings - Due Diligence Vendor-06/17/2025 |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings - Due Diligence Vendor-06/17/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x48 on time mortgage housing history.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 736 ; minimum score 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 838279 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 838304 | xxxxxx D A | Closed | xxxxxx | 2025-06-20 14:12 | 2025-06-26 15:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received explanation from originator: Seller comment: Many landlord or rental property insurance policies include a small amount of personal property coverage by default for items the owner might leave on-site, like appliances or tools. As long as the policy is correctly written as a landlord or rental policy (not owner-occupied), and the dwelling and liability coverages meet lender requirements, this wont cause any issues. <br> - Due Diligence Vendor-06/25/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Subject loan refinance of an investment property. However, insurance in file reflects personal property coverage. Confirm if subject property insurance coverage is for an investment property. - Due Diligence Vendor-06/20/2025 |  | Resolved-Received explanation from originator: Seller comment: Many landlord or rental property insurance policies include a small amount of personal property coverage by default for items the owner might leave on-site, like appliances or tools. As long as the policy is correctly written as a landlord or rental policy (not owner-occupied), and the dwelling and liability coverages meet lender requirements, this wont cause any issues. <br> - Due Diligence Vendor-06/25/2025 | Months Reserves exceed minimum required - Months Reserves 25 mos exceed minimum required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 770 is at least 20 points above minimum for program 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838304 | xxxxxx D A | Closed | xxxxxx | 2025-06-20 14:12 | 2025-06-26 15:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Partially Provided | Resolved-Received confirmation from insurance agent - investment. - Due Diligence Vendor-06/25/2025 <br> Open-Flood Insurance Policy Partially Provided Subject loan refinance of an investment property. However, flood insurance reflects insurance for Secondary property. Provide a flood insurance coverage for an investment property. - Due Diligence Vendor-06/20/2025 |  | Resolved-Received confirmation from insurance agent - investment. - Due Diligence Vendor-06/25/2025<br>| Months Reserves exceed minimum required - Months Reserves 25 mos exceed minimum required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 770 is at least 20 points above minimum for program 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838304 | xxxxxx D A | Closed | xxxxxx | 2025-06-20 15:20 | 2025-06-26 15:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received documentation support both addresses are for 1 property. - Due Diligence Vendor-06/26/2025 <br> Counter-Received duplicate documentation (HOI reflects xxxxxx?)-missing HOI for REO xxxxxx . - Due Diligence Vendor-06/25/2025 <br> Open-Provide insurance for REO xxxxxx. - Due Diligence Vendor-06/20/2025 |  | Resolved-Received documentation support both addresses are for 1 property. - Due Diligence Vendor-06/26/2025<br>| Months Reserves exceed minimum required - Months Reserves 25 mos exceed minimum required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 770 is at least 20 points above minimum for program 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838304 | xxxxxx D A | Closed | xxxxxx | 2025-06-20 15:15 | 2025-06-26 09:50 | Resolved | 1 - Information C A | Credit | Income/Employment | Income documentation does not meet guidelines | Resolved-Received revised 1003, Letter from employer and corrected WVOE supporting base, commissions <25% and bonus. - Due Diligence Vendor-06/26/2025 <br> Counter-Received revised WVOE-date mirrors original-base and commission differ. Missing explanation from employer regarding the differences. Original finding remains and additional conditions may apply. - Due Diligence Vendor-06/25/2025 <br> Open-Borrower qualifying income include base pay and commission >25% of the qualifying income (base pay $3000, commission $12049.64. Loan income type "xxxxxx WVOE." Does not meet guideline as guideline allow for WVOE : If the commission income represents less than 25% of the borrower's total annual employment income. Confirm if Borrower self employed. Additional conditions may apply. - Due Diligence Vendor-06/20/2025 |  | Resolved-Received revised 1003, Letter from employer and corrected WVOE supporting base, commissions <25% and bonus. - Due Diligence Vendor-06/26/2025<br>| Months Reserves exceed minimum required - Months Reserves 25 mos exceed minimum required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 770 is at least 20 points above minimum for program 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838316 | xxxxxx C A | Closed | xxxxxx | 2025-05-22 10:06 | 2025-06-06 10:46 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received payoff. - Due Diligence Vendor-06/06/2025 <br> Counter-Received tax lien release-provide payoff for amount reflecting on PCCD. - Due Diligence Vendor-06/02/2025 <br> Open-Property Title Issue Title Schedule B reflects a tax lien in the amount of xxxxxx. Title Supplement reflecting this tax lien will be omitted and paid at closing was provided. Post Close CD reflects xxxxxx paid. Missing documentation to confirm the amount of xxxxxx paid at closing satisfies the tax lien. - Due Diligence Vendor-05/23/2025 |  | Resolved-Received payoff. - Due Diligence Vendor-06/06/2025<br>| Long term residence - B1 living in primary home for 9 years <br>Qualifying DTI below maximum allowed - DTI is 31.59% and max allowed is 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838337 | xxxxxx C B A | Closed | xxxxxx | 2025-06-13 10:16 | 2025-06-25 09:28 | 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-06/25/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Required Exhibit A is missing from Mortgage - Due Diligence Vendor-06/13/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-06/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 771<br>Months Reserves exceed minimum required - Guidelines require 6 months of reserves. Qualifying reserves are 34 months. |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 838337 | xxxxxx C B A | Closed | xxxxxx | 2025-06-13 11:45 | 2025-06-17 12:22 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime - Due Diligence Vendor-06/17/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 8.204% is within allowable threshold of APOR of 6.92% + 1.75% or 8.67% - Due Diligence Vendor-06/13/2025 |  | Resolved-Compliant xxxxxx Subprime - Due Diligence Vendor-06/17/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 771<br>Months Reserves exceed minimum required - Guidelines require 6 months of reserves. Qualifying reserves are 34 months. |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 838337 | xxxxxx C B A | Closed | xxxxxx | 2025-06-17 10:24 | 2025-06-17 12:20 | Waived | 2 - Non-Material C B | Property | Property | Property Issues are Present | Waived-Client exception granted to allow Mandatory Membership for xxxxxx, Non-material waiver applied with comp factors. non-material due to LTV very low and DTI is low. Per the apprasial subject is located in xxxxxx so the up front xxxxxx is a known and common. Appraisal confirms no negative impact to marketability. - Due Diligence Vendor-06/17/2025 <br> Open-Lender exception on file in regards to Mandatory Upfront Membership fees to a third party, unavailable for xxxxxx. - Due Diligence Vendor-06/17/2025 |  | Waived-Client exception granted to allow Mandatory Membership for condo, Non-material waiver applied with comp factors. non-material due to LTV very low and DTI is low. Per the apprasial subject is located in xxxxxx so the up front xxxxxx is a known and common. Appraisal confirms no negative impact to marketability. - Due Diligence Vendor-06/17/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 771<br>Months Reserves exceed minimum required - Guidelines require 6 months of reserves. Qualifying reserves are 34 months. | Residual Income (1.5x)<br> LTV 10% or more below Max<br> DTI < 40% | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 838355 | xxxxxx C A | Closed | xxxxxx | 2025-06-12 13:25 | 2025-06-26 09:15 | Waived | 3 - Material C | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Waived-Investor agrees to take this condition as an xxxxxx, SOL 1-year, expires xxxxxx - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Investor agrees to take this condition as an xxxxxx, SOL 1-year, expires xxxxxx. Please add notes to the securitization tape. - Buyer-06/25/2025 <br> Counter------Received Client response: LE xxxxxx was sent to borrower after initial CD xxxxxx by mistake. Audit response: Since this is at timing violation, there is no cure. - Due Diligence Vendor-06/17/2025 <br> Open-This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii))The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. ----- LE issued and received by borrower xxxxxx is after the initial CD issued xxxxxx. An LE may not be issued/delivered to borrower after the initial CD has been issued. Per statute, there is no cure for this violation. Statue of Limitations - 1 year, expiration date xxxxxx. - Due Diligence Vendor-06/12/2025 |  | Waived-Investor agrees to take this condition as an xxxxxx, SOL 1-year, expires xxxxxx - Due Diligence Vendor-06/26/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 804, guideline minimum is 700.<br>LTV is less than guideline maximum - Calculated LTV is 65%, guideline maximum is 80%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 838355 | xxxxxx C A | Closed | xxxxxx | 2025-06-13 09:37 | 2025-06-25 09:31 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received rent free letter from family member. - Due Diligence Vendor-06/25/2025 <br> Ready for Review-Document Uploaded. MANUAL UPLOAD. - Buyer-06/24/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Per the application the borrower has no primary housing expense. Per the guidelines, borrowers who do not have the required housing history are eligible as long as they are iving rent free with a relative and provide of explanation executed bY the relative confirming is/was no monthly obligation. Missing the required letter of explanation signed by a relative. - Due Diligence Vendor-06/13/2025 |  | Resolved-Received rent free letter from family member. - Due Diligence Vendor-06/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 804, guideline minimum is 700.<br>LTV is less than guideline maximum - Calculated LTV is 65%, guideline maximum is 80%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838362 | xxxxxx D A | Closed | xxxxxx | 2025-06-25 12:43 | 2025-06-27 13:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received VOR. - Due Diligence Vendor-06/27/2025 <br> Ready for Review-Document Uploaded. - Seller-06/25/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. .Missing 12 month VOR to meet guide. - Due Diligence Vendor-06/25/2025 | Ready for Review-Document Uploaded. - Seller-06/25/2025 | Resolved-Received VOR. - Due Diligence Vendor-06/27/2025<br>| Qualifying DTI below maximum allowed - DTI is 33.01% and max allowed is 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 723 and minimum allowed is 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838406 | xxxxxx C A | Closed | xxxxxx | 2025-06-24 11:40 | 2025-07-01 07:40 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon furhter review, finding resolved. - Due Diligence Vendor-07/01/2025 <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 $54.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Zero (0%) tolerance fees increased by $54 (Settlement Fee [$50], Recording Service Fee [$4]) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $54, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations is xxxxxx. [Fees tested at 0% tolerance because they are paid to affiliate of Lender: Legacyxxxxxx Title].<br> - Due Diligence Vendor-06/24/2025 <br> Open- - Due Diligence Vendor-06/24/2025 |  | Resolved-Upon furhter review, finding resolved. - Due Diligence Vendor-07/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 777<br>Months Reserves exceed minimum required - 34 mths reserves; 6 mths required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838416 | xxxxxx B A | Closed | xxxxxx | 2025-05-29 14:40 | 2025-07-10 12:04 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Waived-Initial Escrow Account Disclosure is Missing Client waiver applied to non-material findings. - Due Diligence Vendor-05/29/2025 |  | Waived-Initial Escrow Account Disclosure is Missing Client waiver applied to non-material findings. - Due Diligence Vendor-05/29/2025<br>| Credit history exceeds minimum required - on time credit history.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 800 ; minimum score 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 838418 | xxxxxx B A | Closed | xxxxxx | 2025-06-02 13:26 | 2025-06-04 11:29 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-APR is within allowable threshold - Due Diligence Vendor-06/06/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 8.508% is within allowable threshold of APOR of 6.87% + 1.75% or 8.62%<br> - Due Diligence Vendor-06/02/2025 |  | Resolved-APR is within allowable threshold - Due Diligence Vendor-06/06/2025<br>| Qualifying DTI below maximum allowed - DTI = 35.33% - Max DTI = 45%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 691 Min FICO = 660 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838439 | xxxxxx C B A | Closed | xxxxxx | 2025-06-10 15:22 | 2025-06-11 15:25 | Waived | 2 - Non-Material C B | Credit | Eligibility | FEMA disaster declared within 120 days of Note (Credit) | Waived-Client waiver applied to non-material finding with compensating factors - Due Diligence Vendor-06/11/2025 <br> Open-Individual – xxxxxx – Incident Period: xxxxxx – File is Missing Appraiser Comment – NO Damage/No Impact to Marketability from Fires - Due Diligence Vendor-06/10/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors - Due Diligence Vendor-06/11/2025<br>| On time mortgage history exceeds guideline requirement - On Time Mortgage History = 30 Months Required = 12 months<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income = $19,015.38 | Residual income more than 1.5x the amount required by guidelines<br> 0x30 for 24 months on all mortgages | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 838439 | xxxxxx C B A | Closed | xxxxxx | 2025-06-06 13:00 | 2025-06-10 15:22 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-added as a credit finding. - Due Diligence Vendor-06/10/2025 <br> Open-Individual – xxxxxx – Incident Period: xxxxxx – File is Missing Appraiser Comment – NO Damage/No Impact to Marketability from Fires - Due Diligence Vendor-06/06/2025 |  | Resolved-added as a credit finding. - Due Diligence Vendor-06/10/2025<br>| On time mortgage history exceeds guideline requirement - On Time Mortgage History = 30 Months Required = 12 months<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income = $19,015.38 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838440 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 838475 | xxxxxx B A | Closed | xxxxxx | 2025-05-21 10:08 | 2025-05-21 10:18 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/21/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 709is higher than the 660 minimum required <br>Months Reserves exceed minimum required - 11.09 months reserves greater than 0 required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 838477 | xxxxxx D A | Closed | xxxxxx | 2025-05-22 06:19 | 2025-05-27 14:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received PITIA validation. - Due Diligence Vendor-05/27/2025 <br> Ready for Review-Document Uploaded. Please review the docs - Seller-05/22/2025 <br> Open-Missing expenses documentation for primary residence - Due Diligence Vendor-05/22/2025 | Ready for Review-Document Uploaded. Please review the docs - Seller-05/22/2025 | Resolved-Received PITIA validation. - Due Diligence Vendor-05/27/2025<br>| Credit history exceeds minimum required - Credit history exceeds minimum required <br>Qualifying DTI below maximum allowed - DTI 26.19 less than max allowed 49.99% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838477 | xxxxxx D A | Closed | xxxxxx | 2025-05-21 20:46 | 2025-05-27 14:37 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received credit refresh - Due Diligence Vendor-05/27/2025 <br> Ready for Review-Document Uploaded. Please revies this credit refresh - Seller-05/22/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Gap is > 10 days. - Due Diligence Vendor-05/22/2025 | Ready for Review-Document Uploaded. Please revies this credit refresh - Seller-05/22/2025 | Resolved-Received credit refresh - Due Diligence Vendor-05/27/2025<br>| Credit history exceeds minimum required - Credit history exceeds minimum required <br>Qualifying DTI below maximum allowed - DTI 26.19 less than max allowed 49.99% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838478 | xxxxxx D B A | Closed | xxxxxx | 2025-05-27 16:49 | 2025-05-29 14:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Upon further review business does not require a phone number per accountant letter - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. Please refer to CPA letter, already included in the package. - Seller-05/28/2025 <br> Open-Business phone number must be verifiable via Google Search, 411.com or internet - Due Diligence Vendor-05/27/2025 | Ready for Review-Document Uploaded. Please refer to CPA letter, already included in the package. - Seller-05/28/2025 | Resolved-Upon further review business does not require a phone number per accountant letter - Due Diligence Vendor-05/29/2025<br>| Long term residence - B1 departing home 8 years in residence. <br>Credit history exceeds minimum required - B1 has 1 late payment (revolving debt) in the last 6 yeas. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838478 | xxxxxx D B A | Closed | xxxxxx | 2025-05-27 12:42 | 2025-05-29 14:44 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received settlement statement from cash out of REO. - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. Please review the settlement statement. - Seller-05/28/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements File include a wire foe $89,877.12 funds appear to be received from another escrow company, Source of funds not in file and Bank Statements provided do not reflect funds sufficient to support wire.<br> - Due Diligence Vendor-05/27/2025 | Ready for Review-Document Uploaded. Please review the settlement statement. - Seller-05/28/2025 | Resolved-Received settlement statement from cash out of REO. - Due Diligence Vendor-05/29/2025<br>| Long term residence - B1 departing home 8 years in residence. <br>Credit history exceeds minimum required - B1 has 1 late payment (revolving debt) in the last 6 yeas. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838478 | xxxxxx D B A | Closed | xxxxxx | 2025-05-23 09:28 | 2025-05-23 09:28 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-05/23/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-05/23/2025<br>| Long term residence - B1 departing home 8 years in residence. <br>Credit history exceeds minimum required - B1 has 1 late payment (revolving debt) in the last 6 yeas. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 838495 | xxxxxx C A | Closed | xxxxxx | 2025-06-19 06:54 | 2025-06-20 13:22 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received title supplement reflecting sufficient coverage. - Due Diligence Vendor-06/20/2025 <br> Ready for Review-Document Uploaded. Please see attached the supplemental. - Seller-06/19/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Provide proof of sufficient Title Coverage. - Due Diligence Vendor-06/19/2025 | Ready for Review-Document Uploaded. Please see attached the supplemental. - Seller-06/19/2025 | Resolved-Received title supplement reflecting sufficient coverage. - Due Diligence Vendor-06/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 786<br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 42.61% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838513 | xxxxxx D A | Closed | xxxxxx | 2025-06-14 17:44 | 2025-06-23 09:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Upon further review, no further documentation is needed or required. - Due Diligence Vendor-06/23/2025 <br> Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt.<br> - Due Diligence Vendor-06/14/2025 |  | Resolved-Upon further review, no further documentation is needed or required. - Due Diligence Vendor-06/23/2025<br>| Months Reserves exceed minimum required - 15 months PITIA reserves; 4 months reserves required.<br>Qualifying DTI below maximum allowed - Qualifying DTI 38%; max permitted 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838522 | xxxxxx B A | Closed | xxxxxx | 2025-06-20 13:15 | 2025-06-20 13:15 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-06/20/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-06/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 759 is at least 20 points above minimum for program 660.<br>Verified employment history exceeds guidelines - Borrower owner of business since 2013. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 838528 | xxxxxx C B A | Closed | xxxxxx | 2025-06-06 13:18 | 2025-06-25 09:44 | Resolved | 1 - Information C A | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Resolved-Received corrected appraisal reflecting as xxxxxx. Commentary provided by appraiser for errors. - Due Diligence Vendor-06/25/2025 <br> Counter-Revised appraisal with comments regarding the location change provided. Marked xxxxxx in error. Please provide comments to reconfirm xxxxxx on subject. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. Re-uploading manually. - Buyer-06/17/2025 <br> Counter-Received revised appraisal reflecting xxxxxx rather than xxxxxx. Appraiser to provide commentary regarding change. Appraiser to reconfirm xxxxxx on subject. - Due Diligence Vendor-06/12/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program. Subject xxxxxx property type is ineligible. - Due Diligence Vendor-06/06/2025 |  | Resolved-Received corrected appraisal reflecting as xxxxxx and xxxxxx. Commentary provided by appraiser for errors. - Due Diligence Vendor-06/25/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 752 and minimum allowed is 660.<br>Qualifying DTI below maximum allowed - DTI is 23.09% and max allowed is 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838528 | xxxxxx C B A | Closed | xxxxxx | 2025-06-06 13:42 | 2025-06-12 11:16 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received additional assets. - Due Diligence Vendor-06/12/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-5712.48'. Assets are Insufficient. Total Qualified Assets Post-Close amount is $-5712.48. Assets are Insufficient. Provide assets to support closing fees. - Due Diligence Vendor-06/06/2025 |  | Resolved-Received additional assets. - Due Diligence Vendor-06/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 752 and minimum allowed is 660.<br>Qualifying DTI below maximum allowed - DTI is 23.09% and max allowed is 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838528 | xxxxxx C B A | Closed | xxxxxx | 2025-06-06 13:49 | 2025-06-12 11:15 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received additional assets. - Due Diligence Vendor-06/12/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 4 month(s) Per the guidelines 4 months reserves of principal and insterest is required. After closing, short funds to close of -$5,712.48 resulting in no verified reserves. - Due Diligence Vendor-06/06/2025 |  | Resolved-Received additional assets. - Due Diligence Vendor-06/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 752 and minimum allowed is 660.<br>Qualifying DTI below maximum allowed - DTI is 23.09% and max allowed is 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838528 | xxxxxx C B A | Closed | xxxxxx | 2025-06-09 15:57 | 2025-06-11 11:42 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Received property profile confirming no encumbrance-seller owned free and clear. - Due Diligence Vendor-06/11/2025 <br> Open-Borrower is reciving a gift or eguity from thje property sellet. Missing the 12 month mortgage hiostory from the existing mortgage securing the subject property , confirming the family sale is not a foreclosure bailout. Missing the required 12 month mortgage history for the seller for the subject property. - Due Diligence Vendor-06/09/2025 |  | Resolved-Received property profile confirming no encumbrance-seller owned free and clear. - Due Diligence Vendor-06/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 752 and minimum allowed is 660.<br>Qualifying DTI below maximum allowed - DTI is 23.09% and max allowed is 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838528 | xxxxxx C B A | Closed | xxxxxx | 2025-06-06 10:26 | 2025-06-09 13:09 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-06/06/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-06/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 752 and minimum allowed is 660.<br>Qualifying DTI below maximum allowed - DTI is 23.09% and max allowed is 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 838564 | xxxxxx C A | Closed | xxxxxx | 2025-06-10 09:04 | 2025-06-26 09:58 | Resolved | 1 - Information C A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-Received corrected final 1003 and property profile confirming borrower is experience investor. - Due Diligence Vendor-06/26/2025 <br> Open-The Calculated DSCR of '0.602' is less than the minimum DSCR per lender guidelines of '1'. DSCR of 1 required for first time investor and per tape the loan was priced on the DSCR program. - Due Diligence Vendor-06/10/2025 |  | Resolved-Received corrected final 1003 and property profile confirming borrower is experience investor. - Due Diligence Vendor-06/26/2025<br>| LTV is less than guideline maximum - 70% < 80% max<br>Qualifying FICO score is at least 20 points above minimum for program - 702 > 620 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838565 | xxxxxx D A | Closed | xxxxxx | 2025-06-10 10:56 | 2025-06-13 09:56 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received 1008 - Due Diligence Vendor-06/13/2025 <br> Open-Missing Approval/Underwriting Summary Missing legible Approval/Underwriting Summary - Due Diligence Vendor-06/10/2025 |  | Resolved-Received 1008 - Due Diligence Vendor-06/13/2025<br>| Months Reserves exceed minimum required - 20.74 months reserves > 6 months minimum required.<br>Qualifying FICO score is at least 20 points above minimum for program - 791 FICO > 660 minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838565 | xxxxxx D A | Closed | xxxxxx | 2025-06-10 10:56 | 2025-06-13 09:56 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received updated assets. Audited Reserves of 20.74 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-06/13/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Missing sufficient asset to cover reserves.<br> - Due Diligence Vendor-06/10/2025 |  | Resolved-Received updated assets. Audited Reserves of 20.74 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-06/13/2025<br>| Months Reserves exceed minimum required - 20.74 months reserves > 6 months minimum required.<br>Qualifying FICO score is at least 20 points above minimum for program - 791 FICO > 660 minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838565 | xxxxxx D A | Closed | xxxxxx | 2025-06-10 10:46 | 2025-06-13 09:51 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received updated assets. - Due Diligence Vendor-06/13/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-88810.45'. Assets are Insufficient. Missing source of sufficient assets cover funds to close. - Due Diligence Vendor-06/10/2025 |  | Resolved-Received updated assets. - Due Diligence Vendor-06/13/2025<br>| Months Reserves exceed minimum required - 20.74 months reserves > 6 months minimum required.<br>Qualifying FICO score is at least 20 points above minimum for program - 791 FICO > 660 minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838565 | xxxxxx D A | Closed | xxxxxx | 2025-06-10 10:38 | 2025-06-13 09:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap report. - Due Diligence Vendor-06/13/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Gap Credit Report is Missing - Due Diligence Vendor-06/10/2025 |  | Resolved-Received Gap report. - Due Diligence Vendor-06/13/2025<br>| Months Reserves exceed minimum required - 20.74 months reserves > 6 months minimum required.<br>Qualifying FICO score is at least 20 points above minimum for program - 791 FICO > 660 minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838571 | xxxxxx C B A | Closed | xxxxxx | 2025-06-06 19:13 | 2025-07-10 15:31 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-After further review, the litigation is accepted by the insurance carrier for pending suites. None are structural in nature,. - Due Diligence Vendor-07/10/2025 |  | Resolved-After further review, the litigation is accepted by the insurance carrier for pending suites. None are structural in nature,. - Due Diligence Vendor-07/10/2025<br>| Months Reserves exceed minimum required - Guidelines require 12 months of reserves. Qualifying reserves are 36 months (escrow waiver requirements) <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying fico of 796 is more than 20 points lower than program minimum of 720 (escrow waiver requirements) |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838571 | xxxxxx C B A | Closed | xxxxxx | 2025-06-06 19:15 | 2025-06-09 09:01 | Waived | 2 - Non-Material C B | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided | Waived-Client exception granted to allow insufficient property coverage for total number of units in project on the master policy, Non-material waiver applied with comp factors. Borrower maintains separate HOI coverage in addition to Master Insurance. - Due Diligence Vendor-06/09/2025 <br> Rescinded-Condo Master Insurance Policy Partially Provided Insufficient property coverage for total number of units in project on the master policy. Blanket waiver applied. - Due Diligence Vendor-06/09/2025 |  | Waived-Client exception granted to allow insufficient property coverage for total number of units in project on the master policy, Non-material waiver applied with comp factors. Borrower maintains separate HOI coverage in addition to Master Insurance. - Due Diligence Vendor-06/09/2025 | Months Reserves exceed minimum required - Guidelines require 12 months of reserves. Qualifying reserves are 36 months (escrow waiver requirements) <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying fico of 796 is more than 20 points lower than program minimum of 720 (escrow waiver requirements) | Credit score 10 points more than required <br> DTI under 30% | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 838571 | xxxxxx C B A | Closed | xxxxxx | 2025-06-09 08:14 | 2025-06-09 08:48 | Waived | 2 - Non-Material B | Credit | Eligibility | Escrow waiver guidelines were not met | Waived-Originator exception granted to allow escrow waiver, Non-material waiver applied with comp factors. non-material due to meets all requirements to waive escrows Not a Higher Priced Mortgage Loan (HPML), LTV <= 80%, Minimum credit score of 720, Minimum 12-months of reserves. Originator guidelines requires exception form. Meets clients guidelines which does NOT require an exception. - Due Diligence Vendor-06/09/2025 <br> Open-Lender exception to waive escrows. Per guidelines Escrow funds/impound accounts can be waived by exception only. - Due Diligence Vendor-06/09/2025 |  | Waived-Originator exception granted to allow escrow waiver, Non-material waiver applied with comp factors. non-material due to meets all requirements to waive escrows Not a Higher Priced Mortgage Loan (HPML), LTV <= 80%, Minimum credit score of 720, Minimum 12-months of reserves. Originator guidelines requires exception form. Meets clients guidelines which does NOT require an exception. - Due Diligence Vendor-06/09/2025 | Months Reserves exceed minimum required - Guidelines require 12 months of reserves. Qualifying reserves are 36 months (escrow waiver requirements) <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying fico of 796 is more than 20 points lower than program minimum of 720 (escrow waiver requirements) | Not a Higher Priced Mortgage Loan (HPML)<br> LTV <= 80%<br> Minimum credit score of 720<br> Minimum 12-months of reserves | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 838573 | xxxxxx D B A | Closed | xxxxxx | 2025-06-20 11:12 | 2025-07-10 15:34 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-After further review, the litigation is accepted by the insurance carrier for pending suites. None are structural in nature. - Due Diligence Vendor-07/10/2025 <br> Open-1. The case involves an allegation that the plaintiff xxxxxx (Pg1063) tripped and fell over a concrete lip located in defendants' common area entry way to her xxxxxx The lawsuit is against the HOA, it is Minor, and the lawsuit does not relate to the building's safety, structural or functionality. There was no amount disclosed in the lawsuit, and the lawsuit is covered by insurance <br>2. The case involves an allegation that the plaintiff xxxxxx claiming that mutual breached the governing documents by not granting membership and not allowing him to lease the subject unit. The lawsuit is against the HOA, it is Minor, and the lawsuit does not relate to the building's safety, structural or functionality. There was no amount disclosed in the lawsuit, and the lawsuit is covered by insurance.<br>3. The case involves an allegation that the plaintiff xxxxxx (Pg1113) this case involves several allegations surrounding and alleged wrongful termination of lease and occupancy of rental unit. and the lawsuit is against the HOA, it is Minor, and the lawsuit does not relate to the building's safety, structural or functionality. There was no amount disclosed in the lawsuit, and the lawsuit is covered by insurance.<br> - Due Diligence Vendor-06/20/2025 |  | Resolved-After further review, the litigation is accepted by the insurance carrier for pending suites. None are structural in nature. - Due Diligence Vendor-07/10/2025<br>| LTV is less than guideline maximum - 37% LTV vs. 85% LTV max<br>Months Reserves exceed minimum required - 19 months , 6 required <br>Qualifying FICO score is at least 20 points above minimum for program - 723 > 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838573 | xxxxxx D B A | Closed | xxxxxx | 2025-06-20 11:01 | 2025-06-20 11:17 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Condo Master Insurance Policy is Partial | Waived-Client exception granted to allow insufficient policy coverage. Waiver applied with compensating factors. Borrower maintains separate HOI coverage in addition to Master Insurance. - Due Diligence Vendor-06/20/2025 <br> Open-Condo Master Insurance Policy Partially Provided Master policy coverage insufficient for project. - Due Diligence Vendor-06/20/2025 |  | Waived-Client exception granted to allow insufficient policy coverage. Waiver applied with compensating factors. Borrower maintains separate HOI coverage in addition to Master Insurance. - Due Diligence Vendor-06/20/2025 | LTV is less than guideline maximum - 37% LTV vs. 85% LTV max<br>Months Reserves exceed minimum required - 19 months , 6 required <br>Qualifying FICO score is at least 20 points above minimum for program - 723 > 660 | Credit score > 10 pts over min<br> 723 FICO 680 required<br> High residual income | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 838592 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 838602 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 838619 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 838620 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 838621 | xxxxxx C A | Closed | xxxxxx | 2025-06-09 12:18 | 2025-06-17 10:48 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Received appraisal w/photos of the xxxxxx. They do not appear to be xxxxxx. - Due Diligence Vendor-06/17/2025 <br> Open-Missing picture of xxxxxx, one provided is the same as xxxxxx - Due Diligence Vendor-06/09/2025 |  | Resolved-Received appraisal w/photos of the xxxxxx. They do not appear to be xxxxxx. - Due Diligence Vendor-06/17/2025 | Qualifying FICO score is at least 20 points above minimum for program - 735 Qualifying FICO score is at least 20 points above 660 minimum for program<br>Qualifying DTI below maximum allowed - 44.43% Qualifying DTI below 50% maximum allowed |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838621 | xxxxxx C A | Closed | xxxxxx | 2025-06-09 12:46 | 2025-06-10 17:26 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-LOX for credit inquiries was provided. - Due Diligence Vendor-06/10/2025 <br> Open-LOX for credit inquiries is missing. - Due Diligence Vendor-06/09/2025 |  | Resolved-LOX for credit inquiries was provided. - Due Diligence Vendor-06/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 735 Qualifying FICO score is at least 20 points above 660 minimum for program<br>Qualifying DTI below maximum allowed - 44.43% Qualifying DTI below 50% maximum allowed |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838622 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 838640 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 838650 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 838659 | xxxxxx C A | Closed | xxxxxx | 2025-05-28 12:52 | 2025-06-11 11:44 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received acceptable VOR, lease and bank statements confirm housing payment. - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. Please see the VOR. xxxxxx! - Buyer-06/10/2025 <br> Counter-Received lease and bank statements-unable to confirm checks paid to landlord. Provide VOR or copies of checks. - Due Diligence Vendor-06/06/2025 <br> Open-Housing History Does Not Meet Guideline Requirements VOR not provided - Due Diligence Vendor-05/28/2025 |  | Resolved-Received acceptable VOR, lease and bank statements confirm housing payment. - Due Diligence Vendor-06/11/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 27%; max permitted 50%.<br>Months Reserves exceed minimum required - 13 months PITIA reserves; 6 months reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838674 | xxxxxx B A | Closed | xxxxxx | 2025-06-04 11:00 | 2025-06-04 11:30 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/04/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 733 is higher than the 680 minimum <br>CLTV is less than guidelines maximum - Guidelines allow CLTV to 85%. Subject loan CLTV is 69.13%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 838686 | xxxxxx D B A | Closed | xxxxxx | 2025-06-19 11:33 | 2025-06-30 10:40 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project is ineligible | Resolved-Received confirmation subject is xxxxxx-investor concentration is acceptable. - Due Diligence Vendor-06/30/2025 <br> Open-93% investor concentration. Investor concentration allowed up to 60%. No exception found - Due Diligence Vendor-06/19/2025 |  | Resolved-Received confirmation subject is xxxxxx-investor concentration is acceptable. - Due Diligence Vendor-06/30/2025 | Months Reserves exceed minimum required - 28 months vs. 6 required<br>Qualifying FICO score is at least 20 points above minimum for program - 785 vs. min 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 838686 | xxxxxx D B A | Closed | xxxxxx | 2025-06-19 10:02 | 2025-06-30 10:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Partial | Resolved-Received master policy reflecting originator as certificate holder. - Due Diligence Vendor-06/30/2025 <br> Open-Condo Master Insurance Policy Partially Provided Missing xxxxxx as the certificate holder - Due Diligence Vendor-06/19/2025 |  | Resolved-Received master policy reflecting originator as certificate holder. - Due Diligence Vendor-06/30/2025<br>| Months Reserves exceed minimum required - 28 months vs. 6 required<br>Qualifying FICO score is at least 20 points above minimum for program - 785 vs. min 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 838686 | xxxxxx D B A | Closed | xxxxxx | 2025-06-19 11:46 | 2025-06-19 11:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material with comp factors. Appraisal comparable properties are similar to subject property and are common for the area. - Due Diligence Vendor-07/10/2025 <br> Open-EXCEPTIONS IN FILE: xxxxxx with xxxxxx min that does not contain a xxxxxx. - Due Diligence Vendor-07/10/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material with comp factors. Appraisal comparable properties are similar to subject property and are common for the area. - Due Diligence Vendor-07/10/2025 | Months Reserves exceed minimum required - 28 months vs. 6 required<br>Qualifying FICO score is at least 20 points above minimum for program - 785 vs. min 680 | Credit Score 30+ points > minimum required<br> Residual income more than 1.5x the amount required by guidelines<br> LTV/CLTV 5% or more below the maximum allowed under applicable guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 838723 | xxxxxx D B A | Closed | xxxxxx | 2025-06-02 12:55 | 2025-06-18 15:47 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received 1008 - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-06/05/2025 <br> Open-Missing Approval/Underwriting Summary 1008 / loan approval was not provided. - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/05/2025 | Resolved-Received 1008 - Due Diligence Vendor-06/06/2025<br>| LTV is less than guideline maximum - LTV 64.24% is lower than maximum 70%<br>Qualifying DTI below maximum allowed - DTI 34.23% is lower than allowable 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838723 | xxxxxx D B A | Closed | xxxxxx | 2025-06-02 10:25 | 2025-06-18 15:46 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Additional valuation product is provided, or Applicable - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. Please see attached CDA - Seller-06/16/2025 <br> Open-Additional valuation product has not been provided. Missing secondary valuation to support appraised value. - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. Please see attached CDA - Seller-06/16/2025 | Resolved-Additional valuation product is provided, or Applicable - Due Diligence Vendor-06/18/2025<br>| LTV is less than guideline maximum - LTV 64.24% is lower than maximum 70%<br>Qualifying DTI below maximum allowed - DTI 34.23% is lower than allowable 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838723 | xxxxxx D B A | Closed | xxxxxx | 2025-05-30 14:09 | 2025-05-30 14:09 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/30/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/30/2025<br>| LTV is less than guideline maximum - LTV 64.24% is lower than maximum 70%<br>Qualifying DTI below maximum allowed - DTI 34.23% is lower than allowable 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 838732 | xxxxxx C A | Closed | xxxxxx | 2025-06-20 17:04 | 2025-07-02 11:25 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received final title policy with no exceptions or around items. - Due Diligence Vendor-07/02/2025 <br> Open-Property Title Issue Provide documentation to support Item 10- xxxxxx rights does not impact lien position. - Due Diligence Vendor-06/20/2025 |  | Resolved-Received final title policy with no exceptions or around items. - Due Diligence Vendor-07/02/2025<br>| Qualifying DTI below maximum allowed - DTI 22.9%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 820 is at least 20 points above minimum for program |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838738 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 838743 | xxxxxx C A | Closed | xxxxxx | 2025-06-16 18:11 | 2025-06-23 09:11 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received RCE confirming sufficient coverage. - Due Diligence Vendor-06/23/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Missing the insurer's replacement cost calculation to support dwelling coverage of $xxxxxx. Insufficient coverage even with considering the additional 110% extended replacement cost coverage noted on the policy. - Due Diligence Vendor-06/16/2025 |  | Resolved-Received RCE confirming sufficient coverage. - Due Diligence Vendor-06/23/2025<br>| Qualifying DTI below maximum allowed - DTI < 30% with max allowed to 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 694; minimum required 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838743 | xxxxxx C A | Closed | xxxxxx | 2025-06-16 18:08 | 2025-06-23 09:08 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received title supplement confirming cleared. - Due Diligence Vendor-06/23/2025 <br> Open-Property Title Issue Missing confirmation seller's tax lien was resolved prior to closing as the final CD does not reflect payment. - Due Diligence Vendor-06/16/2025 |  | Resolved-Received title supplement confirming cleared. - Due Diligence Vendor-06/23/2025<br>| Qualifying DTI below maximum allowed - DTI < 30% with max allowed to 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 694; minimum required 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838759 | xxxxxx D A | Closed | xxxxxx | 2025-06-12 17:59 | 2025-06-17 10:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received Final Title. - Due Diligence Vendor-06/17/2025 <br> Open-Title Document is Incomplete Title supplement not in file to document loan and insurance amount. - Due Diligence Vendor-06/12/2025 |  | Resolved-Received Final Title. - Due Diligence Vendor-06/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 719 guidelines require 660<br>Qualifying DTI below maximum allowed - • Qualifying DTI 42.99% less than max allowable 50% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838803 | xxxxxx C B A | Closed | xxxxxx | 2025-06-17 13:40 | 2025-06-26 10:22 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received initial CD xxxxxx, provided xxxxxx. - Due Diligence Vendor-06/26/2025 <br> Resolved- - Due Diligence Vendor-06/26/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. ----- Initial CD receipt date of xxxxxx is less than three business days prior to closing date of xxxxxx. Statute of Limitations 3 years- Expiration date is xxxxxx.<br> - Due Diligence Vendor-06/17/2025 |  | Resolved-Received initial CD xxxxxx, provided xxxxxx. - Due Diligence Vendor-06/26/2025 | LTV is less than guideline maximum - 75% < 80% max<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 793 guidelines require 660<br>Months Reserves exceed minimum required - o 78 months reserves; 8 months reserves required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 838803 | xxxxxx C B A | Closed | xxxxxx | 2025-06-17 13:40 | 2025-06-26 10:22 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC xxxxxx - Due Diligence Vendor-06/26/2025 <br> Resolved- - Due Diligence Vendor-06/26/2025 <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 ($1,539.65) does not exceed or equal the comparable sum of specific and non-specific lender credits ($1,642.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Initial CD receipt date of xxxxxx is less than three business days prior to closing date of xxxxxx. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-06/17/2025 |  | Resolved-Received COC xxxxxx - Due Diligence Vendor-06/26/2025 | LTV is less than guideline maximum - 75% < 80% max<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 793 guidelines require 660<br>Months Reserves exceed minimum required - o 78 months reserves; 8 months reserves required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 838803 | xxxxxx C B A | Closed | xxxxxx | 2025-06-23 10:06 | 2025-06-23 10:10 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Client exception granted to allow rental pooling in xxxxxx. Non-material waiver applied with comp factors. Deemed non-material due to subject transaction is a 2nd home, xxxxxx units total in project and only xxxxxx rented. - Due Diligence Vendor-06/23/2025 <br> Open-Per project legal documents reference mandatory rental pooling which is not allowed per guide. - Due Diligence Vendor-06/23/2025 |  | Waived-Client exception granted to allow rental pooling in xxxxxx project. Non-material waiver applied with comp factors. Deemed non-material due to subject transaction is a 2nd home, xxxxxx units total in project and only xxxxxx rented. - Due Diligence Vendor-06/23/2025 | LTV is less than guideline maximum - 75% < 80% max<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 793 guidelines require 660<br>Months Reserves exceed minimum required - o 78 months reserves; 8 months reserves required | Credit Score 30+ points > minimum required<br> LTV 10% under max allowed (actual 5% below) | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 838803 | xxxxxx C B A | Closed | xxxxxx | 2025-06-17 13:13 | 2025-06-17 13:13 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-06/17/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-06/17/2025<br>| LTV is less than guideline maximum - 75% < 80% max<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 793 guidelines require 660<br>Months Reserves exceed minimum required - o 78 months reserves; 8 months reserves required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 838826 | xxxxxx D A | Closed | xxxxxx | 2025-06-03 14:50 | 2025-06-04 17:48 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Desk Review Provided. - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. - Seller-06/03/2025 <br> Open-Additional valuation product has not been provided. Per guidelines a secondary valuation (review product) required in every file. Provide secondary valuation product that meets lender criteria to support appraised value. - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. - Seller-06/03/2025 | Resolved-Desk Review Provided. - Due Diligence Vendor-06/03/2025<br>| Months Reserves exceed minimum required - Guidelines require 0 months of reserves. Qualifying reserves are 49 months.<br>Qualifying DTI below maximum allowed - Guidelines allow DTI to 50%. Qualifying DTI is 19.69%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838827 | xxxxxx C A | Closed | xxxxxx | 2025-06-24 14:01 | 2025-06-26 15:36 | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Received Mortgage w/Legal - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-06/26/2025 <br> Open-The Deed of Trust is Incomplete Missing the legal description. - Due Diligence Vendor-06/24/2025 |  | Resolved-Received Mortgage w/Legal - Due Diligence Vendor-06/26/2025<br>| Months Reserves exceed minimum required - 21 months vs. 2 required<br>DSCR =/> 1.00 and minimum is 0.85 or Less - 1.112 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838936 | xxxxxx D A | Closed | xxxxxx | 2025-06-20 08:23 | 2025-06-30 09:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-06/30/2025 <br> Open-Required Affiliated Business Disclosure Missing -----Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt.<br> - Due Diligence Vendor-06/20/2025 |  | Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-06/30/2025<br>| LTV is less than guideline maximum - LTV 25.16%; LTV 80%.<br>Months Reserves exceed minimum required - 72 months PITIA reserves; 0 months reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838946 | xxxxxx C B A | Closed | xxxxxx | 2025-06-24 14:45 | 2025-07-01 16:46 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-After further review, originator xxxxxx is sufficient on the Note. - Due Diligence Vendor-07/01/2025 <br> Open-There are Issues Present on the Note that must be addressed. Missing NMLS information for lender. - Due Diligence Vendor-06/24/2025 |  | Resolved-After further review, originator xxxxxx is sufficient on the Note. - Due Diligence Vendor-07/01/2025 | Qualifying DTI below maximum allowed - 39.62% Qualifying DTI below 45% maximum allowed<br>Qualifying FICO score is at least 20 points above minimum for program - 753 Qualifying FICO score is at least 20 points above 680 minimum for program |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838946 | xxxxxx C B A | Closed | xxxxxx | 2025-06-25 10:45 | 2025-07-01 16:40 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client waiver applied to non material finding with comp factors. - Due Diligence Vendor-07/01/2025 <br> Open-Audited Reserves of 3.27 month(s) are less than Guideline Required Reserves of 6 month(s) Exception for reserves - Due Diligence Vendor-06/25/2025 |  | Waived-Client waiver applied to non material finding with comp factors. - Due Diligence Vendor-07/01/2025<br>| Qualifying DTI below maximum allowed - 39.62% Qualifying DTI below 45% maximum allowed<br>Qualifying FICO score is at least 20 points above minimum for program - 753 Qualifying FICO score is at least 20 points above 680 minimum for program | - Credit score 10+ points above minimum<br> - DTI <40% | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 838946 | xxxxxx C B A | Closed | xxxxxx | 2025-06-24 14:23 | 2025-06-26 11:34 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime - Due Diligence Vendor-06/26/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 8.184% is within allowable threshold of APOR of 6.88% + 1.75% or 8.63%. - Due Diligence Vendor-06/24/2025 |  | Resolved-Compliant xxxxxx Subprime - Due Diligence Vendor-06/26/2025 | Qualifying DTI below maximum allowed - 39.62% Qualifying DTI below 45% maximum allowed<br>Qualifying FICO score is at least 20 points above minimum for program - 753 Qualifying FICO score is at least 20 points above 680 minimum for program |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838954 | xxxxxx B A | Closed | xxxxxx | 2025-06-20 14:54 | 2025-06-20 14:54 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. -----Client waiver applied to non-material Findings. - Due Diligence Vendor-06/20/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. -----Client waiver applied to non-material Findings. - Due Diligence Vendor-06/20/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+9k)<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 620, Bwr FICO 803 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 838957 | xxxxxx C A | Closed | xxxxxx | 2025-06-12 12:16 | 2025-06-13 11:52 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-The final inspection is confirmation the addition was removed. - Due Diligence Vendor-06/13/2025 <br> Open-Property Issues are identified for the property The file contains a completion cert stating the xxxxxx. Photos with the original appraisal show an xxxxxx, no documentation provided to support the additional interior room has been completed. - Due Diligence Vendor-06/12/2025 |  | Resolved-The final inspection is confirmation the addition was removed. - Due Diligence Vendor-06/13/2025<br>| Months Reserves exceed minimum required - Verified reserves equal 27.82 months, guidelines require 4 months.<br>Qualifying DTI below maximum allowed - The calculated DTI is 41.02%, guideline maximum is 50%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839355 | xxxxxx C A | Closed | xxxxxx | 2025-06-16 15:07 | 2025-06-18 14:21 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received PCCD. - Due Diligence Vendor-06/18/2025 <br>Open-Total Qualified Assets Post-Close amount is '$-7087.9'. Assets are Insufficient. Total Qualified Assets Post-Close amount is '$-7087.9'. Assets are Insufficient - Due Diligence Vendor-06/16/2025 |  | Resolved-Received PCCD. - Due Diligence Vendor-06/18/2025<br>| Qualifying DTI below maximum allowed - Calculated DTI is 26.89%, maximum allowed is 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - 785 FICO; 700 required.<br>LTV is less than guideline maximum - The calculated LTV is 71.15%, maximum allowed is 80%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839361 | xxxxxx D B A | Closed | xxxxxx | 2025-06-23 11:09 | 2025-06-23 17:38 | Waived | 2 - Non-Material D B | Credit | Eligibility | HOA Questionnaire Document is Partially Provided | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-06/23/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is only Partially Provided. Client exception on file. Comp factors listed. "HOA will not complete the Client condo questionnaire. They will only provide the documentation that the third party vendor provided us" - Due Diligence Vendor-06/23/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-06/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 779<br>Months Reserves exceed minimum required - 302 mths reserves; 3 mths required. | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines <br> Credit Score 30+ points > minimum required<br> DTI <= 36% which is below requirement in guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 839361 | xxxxxx D B A | Closed | xxxxxx | 2025-06-20 10:10 | 2025-06-20 11:01 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. -----Client Waiver applied to non-material Findings. - Due Diligence Vendor-06/20/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. -----Client Waiver applied to non-material Findings. - Due Diligence Vendor-06/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 779<br>Months Reserves exceed minimum required - 302 mths reserves; 3 mths required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 839388 | xxxxxx C B A | Closed | xxxxxx | 2025-07-01 11:02 | 2025-07-01 11:09 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Client exception granted to allow borrower use of bank statements for income with < 25% ownership, Non-material waiver applied with comp factors. non-material due to borrower has 20% ownership in a business with 3 owners. - Due Diligence Vendor-07/01/2025 <br>Open-Income and Employment Do Not Meet Guidelines Borrower owns less than 25% of the company - business bank statements not allowed. - Due Diligence Vendor-07/01/2025 |  | Waived-Client exception granted to allow borrower use of bank statements for income with < 25% ownership, Non-material waiver applied with comp factors. non-material due to borrower has 20% ownership in a business with 3 owners. - Due Diligence Vendor-07/01/2025 | LTV is less than guideline maximum - LTV 60% max is 90%. <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 791; minimum score 620. | DTI = <36%<br> Credit Score 30+ points | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 839389 | xxxxxx C B A | Closed | xxxxxx | 2025-06-23 13:37 | 2025-06-26 10:21 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted and in file, waiver applied with comp factors. exception to eligibility criteria, The sponsor currently does not own her current residence and does not have a lease.<br>- Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. Notes from originator: Please see attached underwriting exception approval from the loan buyer<br> - Due Diligence Vendor-06/26/2025 <br> Open-Housing History Does Not Meet Guideline Requirements The sponsor currently does not own her current residence and does not have a lease. Her residence is owned by her ex-husband who allows her to reside in the property rent free. We would like to confirm xxxxxx is comfortable with the sponsors lack of ownership and lease for primary residence. - Due Diligence Vendor-06/23/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. exception to eligibility criteria, The sponsor currently does not own her current residence and does not have a lease.<br>- Due Diligence Vendor-06/26/2025<br>| LTV is less than guideline maximum - LTV 70% LTV. Allowed 75%<br>DSCR % greater than 1.20 - DSCR is 1.394. | 1. LTV 70% LTV. Allowed 75%. <br> 2. DSCR is 1.394. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 839390 | xxxxxx D A | Closed | xxxxxx | 2025-06-10 12:28 | 2025-06-26 15:50 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Upon further review, item 22 can remain. It states not mortgages. - Due Diligence Vendor-06/26/2025 <br> Counter-Received confirmation of lots. Provide confirmation #22 of Schedule B was cleared. - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. Please see attached tax information for each property. xxxxxx. The purchase contract references all of these APN's as well as street addresses. - Buyer-06/23/2025 <br> Counter-Open Deed of Trusts for lots xxxxxx which are not included in the transaction per purchase contract, please provided clarification if these lots are attached to any of the subject properties. Additional findings may apply. - Due Diligence Vendor-06/17/2025 <br> Open-Property Title Issue (1) Title shows several active NODs that were not released. Title to confirm these were released prior to closing as contract does not show bank authorization for active foreclosure. (2) Sch B Item No 22 refers to no open Deed of Trusts for lots xxxxxx which are not included in the transaction per purchase contract, need clarification if these lots are attached to any of the subject properties. (3) additional findings may apply. - Due Diligence Vendor-06/10/2025 |  | Resolved-Upon further review, item 22 can remain. It states not mortgages. - Due Diligence Vendor-06/26/2025 | LTV is less than guideline maximum - Qualifying LTV 65%; max 70%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 797; minimum required 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839390 | xxxxxx D A | Closed | xxxxxx | 2025-06-10 12:28 | 2025-06-26 15:49 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Received documentation to support ownership - Due Diligence Vendor-06/17/2025 <br> Open-Vested Owner Signature Requirement Not met. Document that the borrower(s) do not have any ownership interest in the owning LLC entity. - Due Diligence Vendor-06/10/2025 |  | Resolved-Received documentation to support ownership - Due Diligence Vendor-06/17/2025<br>| LTV is less than guideline maximum - Qualifying LTV 65%; max 70%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 797; minimum required 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839390 | xxxxxx D A | Closed | xxxxxx | 2025-06-10 12:29 | 2025-06-26 15:40 | Resolved | 1 - Information C A | Credit | Eligibility | Non-Arm's Length Transactions Not Allowed for Program | Resolved-Received acceptable LOE. - Due Diligence Vendor-06/26/2025 <br> Counter-Received duplicate copies of appraisal-insufficient documentation-original finding remains. - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. Please see attached appraisals which confirm in the purchase contract section that the sale is arms length (page 1 of the report) as well as the purchase contract drawn up by xxxxxx, a well-known real estate brokerage that facilitated the transaction. xxxxxx connects investors to opportunities and has a host of property listings for sale that spans the commercial property landscape. The underwriter had no reason to believe this was not an arm's length transaction given this information. Plus, there is no connection found anywhere that the seller or buyer have any connection to each other. xxxxxx DSCR guidelines state, "An interested party contribution occurs when the individual borrower or guarantor has an affiliation or relationship with the mortgage broker, originator, real estate broker/agent or any other interested party to the transaction." There is no evidence of an interested party transaction and this condition is not applicable - please remove. - Seller-06/20/2025 <br> Open-No property in the portfolio was listed on the open market. Sales price for all properties are significantly discounted at approximately 24% below market. Missing statement of relationship between buyer, seller, Originator, Mortgage Broker, Real Estate Broker/Agent and any other interested party to the transaction. Additional findings may apply. - Due Diligence Vendor-06/10/2025 | Ready for Review-Document Uploaded. Please see attached appraisals which confirm in the purchase contract section that the sale is arms length (page 1 of the report) as well as the purchase contract drawn up by xxxxxx, a well-known real estate brokerage that facilitated the transaction. xxxxxx connects investors to opportunities and has a host of property listings for sale that xxxxxx. The underwriter had no reason to believe this was not an arm's length transaction given this information. Plus, there is no connection found anywhere that the seller or buyer have any connection to each other. xxxxxx DSCR guidelines state, "An interested party contribution occurs when the individual borrower or guarantor has an affiliation or relationship with the mortgage broker, originator, real estate broker/agent or any other interested party to the transaction." There is no evidence of an interested party transaction and this condition is not applicable - please remove. - Seller-06/20/2025 | Resolved-Received acceptable LOE. - Due Diligence Vendor-06/26/2025<br>| LTV is less than guideline maximum - Qualifying LTV 65%; max 70%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 797; minimum required 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839390 | xxxxxx D A | Closed | xxxxxx | 2025-06-10 12:19 | 2025-06-17 10:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-On further review unit xxxxxx are not the same renters. Received lease agreements. - Due Diligence Vendor-06/17/2025 <br> Open-Missing lease documentation as follows (1) Prop1 Unit xxxxxx appears to be the same tenant as Prop5 Unit xxxxxx (2) missing rent increase notification from $750 to $1k for Prop4 Unit xxxxxx; Auditor used the lower $750 (3) missing lease for $950 for P5 Unit xxxxxx; no lease documentation at all provided. Auditor used the $950 amount for qualifying which is less than market rents (4) additional findings may apply. - Due Diligence Vendor-06/10/2025 |  | Resolved-On further review unit xxxxxx are not the same renters. Received lease agreements. - Due Diligence Vendor-06/17/2025 | LTV is less than guideline maximum - Qualifying LTV 65%; max 70%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 797; minimum required 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839390 | xxxxxx D A | Closed | xxxxxx | 2025-06-10 11:05 | 2025-06-17 10:17 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Received documentation to support B2 was added as 50% owner prior to close. - Due Diligence Vendor-06/17/2025 <br> Open-The Business Entity Formation Document is incomplete Missing evidence B2 is a member of the LLC as signature on the Note, Deed of Trust, and all other legal documents indicates. Per LLC documentation provided B1 is sole owner and member of the LLC. - Due Diligence Vendor-06/10/2025 |  | Resolved-Received documentation to support B2 was added as 50% owner prior to close. - Due Diligence Vendor-06/17/2025<br>| LTV is less than guideline maximum - Qualifying LTV 65%; max 70%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 797; minimum required 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839390 | xxxxxx D A | Closed | xxxxxx | 2025-06-10 12:48 | 2025-06-17 10:14 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-06/17/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Missing 2nd consecutive month's bank statement for account ending 2801. Account was used for earnest money deposit and the transaction per Originator's worksheet. - Due Diligence Vendor-06/10/2025 |  | Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-06/17/2025<br>| LTV is less than guideline maximum - Qualifying LTV 65%; max 70%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 797; minimum required 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839437 | xxxxxx C A | Closed | xxxxxx | 2025-06-28 09:48 | 2025-07-02 11:28 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received Counter offer reflecting final purchase price. - Due Diligence Vendor-07/02/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. PP on Contract = xxxxxx - per Final CD and 1008 the PP = xxxxxx - File is missing Contract Addendum for PP = xxxxxx - Due Diligence Vendor-06/28/2025 |  | Resolved-Received Counter offer reflecting final purchase price. - Due Diligence Vendor-07/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 812 Min FICO = 660<br>Qualifying DTI below maximum allowed - DTI = 23.20% - Max DTI = 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839456 | xxxxxx D A C | Closed | xxxxxx | 2025-06-05 06:48 | 2025-06-12 11:23 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-06/12/2025 <br> Open-Additional valuation product has not been provided. Missing Additional valuation product. - Due Diligence Vendor-06/05/2025 |  | Resolved-Received secondary valuation. - Due Diligence Vendor-06/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 725; guidelines require 700. <br>Long term residence - 18 Years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839456 | xxxxxx D A C | Closed | xxxxxx | 2025-06-05 06:57 | 2025-06-12 11:23 | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-Received corrected HO-6 policy - Due Diligence Vendor-06/12/2025 <br> Open-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx. - Due Diligence Vendor-06/05/2025 |  | Resolved-Received corrected HO-6 policy - Due Diligence Vendor-06/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 725; guidelines require 700. <br>Long term residence - 18 Years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839475 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 839526 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 839527 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other |  |  |  |
| 839558 | xxxxxx C A | Closed | xxxxxx | 2025-06-30 15:23 | 2025-07-02 11:28 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received Alerts Summary w/cleared high alerts. - Due Diligence Vendor-07/02/2025 <br> Open-Fraud Report Shows Uncleared Alerts 1. Missing evidence that high alert for possible match on SAM.gov for appraiser was cleared. Additional findings may apply.<br> 2. Missing evidence that high alert for possible match on SAM.gov for Loan closer was cleared. Additional findings may apply. - Due Diligence Vendor-06/30/2025 |  | Resolved-Received Alerts Summary w/cleared high alerts. - Due Diligence Vendor-07/02/2025<br>| Qualifying DTI below maximum allowed - 42.44% DTI is less than 50% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 731 FICO exceeds 700 minimum requierd. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839576 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 839577 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 839586 | xxxxxx B A | Closed | xxxxxx | 2025-05-28 14:33 | 2025-05-28 14:33 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-05/28/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-05/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 739 is higher than 660 min. required <br>Months Reserves exceed minimum required - 10.89 months higher than 4 month minimum required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 839588 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 839628 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 839690 | xxxxxx C A B | Closed | xxxxxx | 2025-06-13 07:25 | 2025-06-23 09:21 | Resolved | 1 - Information C A | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-Upon further review, the loan file contained all required appraiser's license history. - Due Diligence Vendor-06/23/2025 <br> Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date No additional information available to indicate license active as of appraisal date. (No prev lic dates provided) . <br> per validation website the license was in effect xxxxxx and then xxxxxx. Per license on the appraisal dated xxxxxx but not reflecting on the website. - Due Diligence Vendor-06/13/2025 |  | Resolved-Upon further review, the loan file contained all required appraiser's license history. - Due Diligence Vendor-06/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 620, Bwr FICO 736<br>Months Reserves exceed minimum required - 19 mths reserves; 3 mths required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839690 | xxxxxx C A B | Closed | xxxxxx | 2025-06-12 10:41 | 2025-06-18 10:31 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-The privacy FACTS sheet lists the lender affiliates. - Due Diligence Vendor-06/18/2025 <br>Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-06/12/2025 |  | Resolved-The privacy FACTS sheet lists the lender affiliates. - Due Diligence Vendor-06/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 620, Bwr FICO 736<br>Months Reserves exceed minimum required - 19 mths reserves; 3 mths required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839692 | xxxxxx C A | Closed | xxxxxx | 2025-06-13 11:09 | 2025-06-18 15:17 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Legal description provided. - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. - Seller-06/18/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. ----- missing legal description - Due Diligence Vendor-06/13/2025 | Ready for Review-Document Uploaded. - Seller-06/18/2025 | Resolved-Legal description provided. - Due Diligence Vendor-06/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 700 guidelines require 680<br>Months Reserves exceed minimum required - • Qualifying Assets calculated at 35 Months of reserves; 9 months reserves required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839748 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 839763 | xxxxxx C A | Closed | xxxxxx | 2025-06-20 10:19 | 2025-06-26 13:23 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-The appraisal was completed post disaster and the appraiser indicated: There were no apparent physical deficiencies and/or adverse conditions observed that would affect the livability, soundness, or structural integrity of the property. - Due Diligence Vendor-06/26/2025 <br> Counter-Documentation received is insufficient-Appraiser confirmation subject was not impacted by disaster required. Original finding remains. - Due Diligence Vendor-06/26/2025 <br> Open-Individual – xxxxxx – Incident Period: xxxxxx –File is missing Appraiser Comment – NO Damage/No Impact to Marketability from Fires - Due Diligence Vendor-06/20/2025 |  | Resolved-The appraisal was completed post disaster and the appraiser indicated: There were no apparent physical deficiencies and/or adverse conditions observed that would affect the livability, soundness, or structural integrity of the property. - Due Diligence Vendor-06/26/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO = 802 Min FICO = 680<br>Credit history exceeds minimum required - Credit History = 175 Months Minimum Credit History = 24 Months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839775 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 839813 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 839819 | xxxxxx C B A | Closed | xxxxxx | 2025-06-27 10:22 | 2025-06-27 11:01 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income/Employment General | Waived-Client exception granted to allow Joint assets for asset income, Non-materialwaiver applied with comp factors. non-material due to additional person will not be on note but on mortgage - Due Diligence Vendor-06/27/2025 <br> Open-Exception to allow joint assets for income without being on note, but will be on mortgage. - Due Diligence Vendor-06/27/2025 |  | Waived-Client exception granted to allow Joint assets for asset income, Non-materialwaiver applied with comp factors. non-material due to additional person will not be on note but on mortgage - Due Diligence Vendor-06/27/2025 | LTV is less than guideline maximum - 75% LTV is less than 80% guideline maximum<br>Qualifying FICO score is at least 20 points above minimum for program - 759 Qualifying FICO score is at least 20 points above 660 minimum for program | - LTV 5% or more below maximum allowed<br> - Credit score 50+ points > minimum required <br> - Residual income more than 2.5x the amount required | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 839832 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 839840 | xxxxxx B A | Closed | xxxxxx | 2025-06-17 15:05 | 2025-06-17 15:05 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non material finding. - Due Diligence Vendor-06/17/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non material finding. - Due Diligence Vendor-06/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 727 is higher than the required 660<br>Qualifying DTI below maximum allowed - DTI 40.65% is lower than allowable 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 839872 | xxxxxx C B A | Closed | xxxxxx | 2025-06-12 13:40 | 2025-07-10 12:09 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Client waiver applied to non-material finding with compensating factors. DTI is 50.21%, max 49.99. - Due Diligence Vendor-07/03/2025 <br> Counter-The borrower is an authorized user on the xxxxxx revolving account, which can be excluded. The DTI is now 50.21% - Due Diligence Vendor-07/01/2025 <br> Counter-Document Uploaded. Using the income of $10,921 the DTI is 50.53%. We have other debts of $2800.35 and the 1008 indicates your other debts are $2,735.11. - Due Diligence Vendor-06/23/2025 <br> Open-Audited DTI of 50.59% exceeds Guideline DTI of 49.99%. Due additional open liabilities on the Gap Report. - Due Diligence Vendor-06/12/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. DTI is 50.21%, max 49.99. - Due Diligence Vendor-07/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 690 and minimum allowed is 660.<br>Months Reserves exceed minimum required - Borrower has 9.9 months of reserves and only needs 4 months to qualify. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 839872 | xxxxxx C B A | Closed | xxxxxx | 2025-06-12 13:17 | 2025-07-01 09:45 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report dated day of closing. - Due Diligence Vendor-06/18/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). provide an updated Gap Report or UDM report. - Due Diligence Vendor-06/12/2025 |  | Resolved-Borrower 1 Gap Credit Report dated day of closing. - Due Diligence Vendor-06/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 690 and minimum allowed is 660.<br>Months Reserves exceed minimum required - Borrower has 9.9 months of reserves and only needs 4 months to qualify. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839872 | xxxxxx C B A | Closed | xxxxxx | 2025-06-12 13:42 | 2025-06-18 09:17 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved--Inquiries on credit are from lender credit pulls. - Due Diligence Vendor-06/18/2025 <br> Open-LOX for credit inquiries is missing. LOX for credit inquiries is missing for the origination and gap credit report. - Due Diligence Vendor-06/12/2025 |  | Resolved--Inquiries on credit are from lender credit pulls. - Due Diligence Vendor-06/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 690 and minimum allowed is 660.<br>Months Reserves exceed minimum required - Borrower has 9.9 months of reserves and only needs 4 months to qualify. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839872 | xxxxxx C B A | Closed | xxxxxx | 2025-06-12 09:28 | 2025-06-12 09:31 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/12/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 690 and minimum allowed is 660.<br>Months Reserves exceed minimum required - Borrower has 9.9 months of reserves and only needs 4 months to qualify. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 839873 | xxxxxx C B A | Closed | xxxxxx | 2025-06-04 18:32 | 2025-06-10 14:25 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received Internet Search. - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. Please review the Google search pages - Seller-06/09/2025 <br> Open-Income and Employment Do Not Meet Guidelines Guideline indicate Business must be verifiable via Google Search, 411.com or Internet. File missing online verification. <br> - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. Please review the Google search pages - Seller-06/09/2025 | Resolved-Received Internet Search. - Due Diligence Vendor-06/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 801 guidelines require 680<br>Months Reserves exceed minimum required - • Qualifying Assets calculated at 11 Months of reserves; 4 months reserves required |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839873 | xxxxxx C B A | Closed | xxxxxx | 2025-06-04 09:43 | 2025-06-04 11:59 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/04/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 801 guidelines require 680<br>Months Reserves exceed minimum required - • Qualifying Assets calculated at 11 Months of reserves; 4 months reserves required |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 839874 | xxxxxx C B A | Closed | xxxxxx | 2025-06-11 06:08 | 2025-06-19 10:39 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Gap Report. - Due Diligence Vendor-06/19/2025 <br> Ready for Review-The borrower has sufficient reserves to cover the $252. Kindly reconsider and clear the condition. - Seller-06/17/2025 <br> Counter-Credit refresh received reflects past due $252 for xx5155-provide confirmation this was current at closing. - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. Please review the gap credit report - Seller-06/13/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Gap Credit Report is Expired - Due Diligence Vendor-06/11/2025 | Ready for Review-The borrower has sufficient reserves to cover the $252. Kindly reconsider and clear the condition. - Seller-06/17/2025 <br> Ready for Review-Document Uploaded. Please review the gap credit report - Seller-06/13/2025 | Resolved-Received Gap Report. - Due Diligence Vendor-06/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 725 greater than Guideline Min FICO 660<br>Months Reserves exceed minimum required - Qualifying Total Reserves 10.58 Months higher than <br> Guideline Required Reserves 4 Months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839874 | xxxxxx C B A | Closed | xxxxxx | 2025-06-10 15:15 | 2025-06-10 15:15 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/10/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 725 greater than Guideline Min FICO 660<br>Months Reserves exceed minimum required - Qualifying Total Reserves 10.58 Months higher than <br> Guideline Required Reserves 4 Months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 839877 | xxxxxx C A | Closed | xxxxxx | 2025-06-11 15:20 | 2025-06-20 09:59 | Resolved | 1 - Information C A | Credit | Income/Employment | Income documentation does not meet guidelines | Resolved-Received Internet Search. - Due Diligence Vendor-06/20/2025 <br> Ready for Review-Document Uploaded. Please find the attached documents. - Seller-06/16/2025 <br> Open-Missing Business phone number must be verifiable via Google Search, 411.com or internet. - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. Please find the attached documents. - Seller-06/16/2025 | Resolved-Received Internet Search. - Due Diligence Vendor-06/20/2025<br>| Qualifying DTI below maximum allowed - DTI is 35.44 and max allowed is 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 723 and minimum allowed is 680. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839894 | xxxxxx D B A | Closed | xxxxxx | 2025-06-12 12:14 | 2025-06-16 15:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received HOI - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. The annual HOI value reflects the premium from the insurance policy effective from xxxxxx. Kindly clear the condition. - Seller-06/13/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Discrepancy on HUD with Annual HOI premium and monthly amount collected for escrows<br> - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. The annual HOI value reflects the premium from the insurance policy effective from xxxxxx. Kindly clear the condition. - Seller-06/13/2025 | Resolved-Received HOI - Due Diligence Vendor-06/16/2025<br>| Qualifying DTI below maximum allowed - • Qualifying DTI of 29.06% less max allowable 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 704 guidelines require 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 839894 | xxxxxx D B A | Closed | xxxxxx | 2025-06-10 14:04 | 2025-06-10 15:19 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material finding. - Due Diligence Vendor-06/10/2025 |  | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material finding. - Due Diligence Vendor-06/10/2025<br>| Qualifying DTI below maximum allowed - • Qualifying DTI of 29.06% less max allowable 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 704 guidelines require 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx |
| 839897 | xxxxxx C B A | Closed | xxxxxx | 2025-06-13 10:15 | 2025-06-25 09:32 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received CD xxxxxx, signed xxxxxx - Due Diligence Vendor-06/25/2025 <br> Resolved- - Due Diligence Vendor-06/25/2025 <br> Ready for Review-Received CD xxxxxx, signed xxxxxx. - Due Diligence Vendor-06/25/2025 <br> Ready for Review-Document Uploaded. Wet signed ICD. - Seller-06/24/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. -----Initial CD xxxxxx was e-signed on xxxxxx and there is no evidence in file to determine if it was provided prior to closing date of xxxxxx. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-06/13/2025 | Ready for Review-Document Uploaded. Wet signed ICD. - Seller-06/24/2025 | Resolved-Received CD xxxxxx, signed xxxxxx - Due Diligence Vendor-06/25/2025 | Credit history exceeds minimum required - Credit history exceed minimum required <br>Months Reserves exceed minimum required - Guidelines require 4 months of reserves. Qualifying reserves are 8.7 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839897 | xxxxxx C B A | Closed | xxxxxx | 2025-06-16 08:07 | 2025-06-20 10:20 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received Internet Search. - Due Diligence Vendor-06/20/2025 <br> Ready for Review-Document Uploaded. xxxxxx Search - Seller-06/17/2025 <br> Open-Missing business phone search. Business phone number must be verifiable via Google Search, 411.com or internet - Due Diligence Vendor-06/17/2025 | Ready for Review-Document Uploaded. xxxxxx Search - Seller-06/17/2025 | Resolved-Received Internet Search. - Due Diligence Vendor-06/20/2025<br>| Credit history exceeds minimum required - Credit history exceed minimum required <br>Months Reserves exceed minimum required - Guidelines require 4 months of reserves. Qualifying reserves are 8.7 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839897 | xxxxxx C B A | Closed | xxxxxx | 2025-06-13 09:46 | 2025-06-13 10:24 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/13/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/13/2025<br>| Credit history exceeds minimum required - Credit history exceed minimum required <br>Months Reserves exceed minimum required - Guidelines require 4 months of reserves. Qualifying reserves are 8.7 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 839950 | xxxxxx C B A | Closed | xxxxxx | 2025-06-27 05:50 | 2025-07-10 14:26 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-After further review, the litigation is accepted by the insurance carrier for pending suites. None are structural in nature,. - Due Diligence Vendor-07/10/2025 <br> Open-The case involves an allegation that the plaintiff tripped and fell while walking in the common area walkway due to "alleged" uneven pavement (see pg. 1156). The lawsuit is against the HOA, it is Minor, and the lawsuit does not relate to the building's safety, structural or functionality. There was no amount disclosed in the lawsuit, and the lawsuit is covered by insurance (page 1156). - Due Diligence Vendor-06/27/2025 |  | Resolved-After further review, the litigation is accepted by the insurance carrier for pending suites. None are structural in nature,. - Due Diligence Vendor-07/10/2025<br>| CLTV is less than guidelines maximum - Max LTV 90% / Subject LTV 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660/ Borrower FICO 708<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income = $24,949.71 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839950 | xxxxxx C B A | Closed | xxxxxx | 2025-06-27 05:57 | 2025-06-27 09:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Client exception approved with comp factors. Waiver applied to non-material finding. Borrower maintains separate HOI coverage in addition to Master Insurance. - Due Diligence Vendor-06/27/2025 <br> Open-Master Insurance does not meet minimum insurance requirements. - Due Diligence Vendor-06/27/2025 |  | Waived-Client exception approved with comp factors. Waiver applied to non-material finding. Borrower maintains separate HOI coverage in addition to Master Insurance. - Due Diligence Vendor-06/27/2025 | CLTV is less than guidelines maximum - Max LTV 90% / Subject LTV 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660/ Borrower FICO 708<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income = $24,949.71 | Credit score 1 O+ points> minimum required- 708(660) <br> LTV/CLTV 5% or more below the maximum allowed under applicable guidelines- 50% (GL =80%)<br> Residual income 1.5 times $22,971.22(GL $2,750) | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 840003 | xxxxxx B A | Closed | xxxxxx | 2025-06-20 12:39 | 2025-06-25 09:05 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 7.434% is within allowable threshold of APOR of 6.92% + 1.75% or 8.67% - Due Diligence Vendor-06/25/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 7.434% is within allowable threshold of APOR of 6.92% + 1.75% or 8.67%. - Due Diligence Vendor-06/20/2025 |  | Resolved-Compliant xxxxxx-APR is within allowable threshold of APOR Compliant xxxxxx- APR on subject loan of 7.434% is within allowable threshold of APOR of 6.92% + 1.75% or 8.67% - Due Diligence Vendor-06/25/2025 | Months Reserves exceed minimum required - Qualifying Total Reserves 26.39 higher than 12 month minimum required <br>LTV is less than guideline maximum - Qualifying LTV 79.28% is lower than 85% max allowed |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840264 | xxxxxx C A | Closed | xxxxxx | 2025-06-24 11:51 | 2025-07-02 12:01 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-May bank statement provided. - Due Diligence Vendor-07/02/2025 <br> Counter-Documentation received is insufficient. xxxxxx letter dated 6/10 reflects dated opened 6/10. Original finding remains. - Due Diligence Vendor-07/01/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Account open date and VOD date are the same. Asset is not seasoned for 1 month. - Due Diligence Vendor-06/24/2025 |  | Resolved-May bank statement provided. - Due Diligence Vendor-07/02/2025<br>| Months Reserves exceed minimum required - 11.75 months reserves; 6 months reserves required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840404 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 840464 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 840465 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 840471 | xxxxxx C A | Closed | xxxxxx | 2025-06-16 14:18 | 2025-06-24 13:27 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received UDN - Due Diligence Vendor-06/24/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-06/23/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). 13 days old - Due Diligence Vendor-06/16/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/23/2025 | Resolved-Received UDN - Due Diligence Vendor-06/24/2025<br>| Qualifying DTI below maximum allowed - DTI of 29.71% is less than the maximum allowed per guidelines of 50%<br>Verified employment history exceeds guidelines - 7 + years<br>Months Reserves exceed minimum required - Verified assets of 9.15 months exceeds the minimum required of 6 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840471 | xxxxxx C A | Closed | xxxxxx | 2025-06-16 14:33 | 2025-06-23 13:44 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Upon further review, Per xxxxxx, the bank statement program is based off xxxxxx Matrices. The maximum LTV is 80%. - Due Diligence Vendor-06/23/2025 <br> Ready for Review-The loan was approved with xxxxxx 30 Yr Fixed, however, page 5 of the matrix notes in red the following "\*Eligibility based off xxxxxx Matrices" in the income requirements section. - Seller-06/20/2025 <br> Counter-Loan was approved and submitted with xxxxxx 30 Yr Fixed. <br> - Due Diligence Vendor-06/19/2025 <br> Ready for Review-Document Uploaded. Please note according to the 4/21/2025 attached Matrix, for the Personal or Business Bank statement income documentation type eligibility is based off "xxxxxx Matrices" which allows 80% LTV on a Cash-Out transaction for the subject loan amount and FICO score - Seller-06/18/2025 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 70% Exception in file to allow LTV of 80% from 75% however the max is 70% which would require a 10% exception and would be considered material if a waiver is approved. Finding remains open - Due Diligence Vendor-06/16/2025 | Ready for Review-The loan was approved with xxxxxx 30 Yr Fixed, however, page 5 of the matrix notes in red the following "\*Eligibility based off xxxxxx Matrices" in the income requirements section. - Seller-06/20/2025 <br> Ready for Review-Document Uploaded. Please note according to the xxxxxx attached Matrix, for the Personal or Business Bank statement income documentation type eligibility is based off "xxxxxx Matrices" which allows 80% LTV on a Cash-Out transaction for the subject loan amount and FICO score - Seller-06/18/2025 | Resolved-Upon further review, Per xxxxxx, the bank statement program is based off xxxxxx - Full Doc Matrices. The maximum LTV is 80%. - Due Diligence Vendor-06/23/2025 | Qualifying DTI below maximum allowed - DTI of 29.71% is less than the maximum allowed per guidelines of 50%<br>Verified employment history exceeds guidelines - 7 + years<br>Months Reserves exceed minimum required - Verified assets of 9.15 months exceeds the minimum required of 6 months | DTI is 5+% lower than max<br> 4+ years SE | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840472 | xxxxxx D B C A | Closed | xxxxxx | 2025-05-20 11:36 | 2025-05-23 13:38 | Resolved | 1 - Information D A | Property | Missing Doc | Missing HOA/Condo Certification | Resolved-Received 1008 and 1003. Lender advised data entry error. - Due Diligence Vendor-05/23/2025 <br> Ready for Review-Document Uploaded. Please note the subject property in question is neither a PUD nor a Condo with HOA Dues. The $500/month on the 1008 was an entry error. Please see attached corrected 1003 & 1008. - Seller-05/22/2025 <br> Open-Missing subject verification of monthly HOA dues as per reflected on the 1008 and final 1003 - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. Please note the subject property in question is neither a PUD nor a Condo with HOA Dues. The $500/month on the 1008 was an entry error. Please see attached corrected 1003 & 1008. - Seller-05/22/2025 | Resolved-Received 1008 and 1003. Lender advised data entry error. - Due Diligence Vendor-05/23/2025 | Qualifying DTI below maximum allowed - Max DTI is 43%, borrowers DTI is 33.08<br>Months Reserves exceed minimum required - 6 month reserves required, borrower has 55.32 documented |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840472 | xxxxxx D B C A | Closed | xxxxxx | 2025-05-15 12:49 | 2025-05-23 07:22 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-05/23/2025 <br> Ready for Review-Reviewed with compliance and we kindly disagree with this finding. Last change was on April 28th, which decreased the Lender Credit from $15,222.24 to $10,107.24 due to a pricing exception. This change was disclosed on time. Please advise where the $10,283.73 credit amount was pulled from. - Seller-05/22/2025 <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 ($10,106.24) does not exceed or equal the comparable sum of specific and non-specific lender credits ($10,283.73). 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). -----Lender credit decreased from $10283.73 to $10106.24 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $177.49, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx.<br> - Due Diligence Vendor-05/15/2025 | Ready for Review-Reviewed with compliance and we kindly disagree with this finding. Last change was on April 28th, which decreased the Lender Credit from $15,222.24 to $10,107.24 due to a pricing exception. This change was disclosed on time. Please advise where the $10,283.73 credit amount was pulled from. - Seller-05/22/2025 | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-05/23/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 43%, borrowers DTI is 33.08<br>Months Reserves exceed minimum required - 6 month reserves required, borrower has 55.32 documented |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840472 | xxxxxx D B C A | Closed | xxxxxx | 2025-05-20 08:46 | 2025-05-20 11:44 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Originator exception granted to allow for subject with xxxxxx acres exceed max 25 acres per guideline requirement. <br> Non-material waiver applied to finding with compensating factors. Primary residence; low LTV, sufficient reserves. - Due Diligence Vendor-05/20/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program EXCEPTION REQUEST for allowing over 25 acres - Due Diligence Vendor-05/20/2025 |  | Waived-Originator exception granted to allow for subject with xxxxxx acres exceed max 25 acres per guideline requirement. <br> Non-material waiver applied to finding with compensating factors. Primary residence; low LTV, sufficient reserves. - Due Diligence Vendor-05/20/2025 | Qualifying DTI below maximum allowed - Max DTI is 43%, borrowers DTI is 33.08<br>Months Reserves exceed minimum required - 6 month reserves required, borrower has 55.32 documented | LTV is more than 5% below Max<br> DTI is more than 5% below maximum<br> 10 years on the job | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 840479 | xxxxxx C A | Closed | xxxxxx | 2025-04-28 11:00 | 2025-05-30 14:40 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-05/30/2025 <br> Ready for Review-Document Uploaded. Please see attached recorded DOT w Legal. - Seller-05/29/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description - Due Diligence Vendor-04/28/2025 | Ready for Review-Document Uploaded. Please see attached recorded DOT w Legal. - Seller-05/29/2025 | Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-05/30/2025<br>| Months Reserves exceed minimum required - .22 months reserves; 0 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 743; minimum FICO score 660 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840480 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 840481 | xxxxxx C B A | Closed | xxxxxx | 2025-06-11 09:02 | 2025-06-24 10:15 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Final CD xxxxxx lender credit for increase in closing costs above legal limit, $85.00.<br> - Due Diligence Vendor-06/24/2025 <br> Open- - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. The application date was xxxxxx. Please see attached Disclosure Tracking History. - Seller-06/20/2025 <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 $19,873.11.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. The application date was xxxxxx. Please see attached Disclosure Tracking History. - Seller-06/20/2025 | Resolved-Final CD xxxxxx lender credit for increase in closing costs above legal limit, $85.00.<br> - Due Diligence Vendor-06/24/2025 | Qualifying DTI below maximum allowed - DTI of 36.47% is less than the maximum allowed per guidelines of 50%<br>Months Reserves exceed minimum required - Verified assets of 6.62 months exceeds the minimum required of 3 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840481 | xxxxxx C B A | Closed | xxxxxx | 2025-06-11 09:02 | 2025-06-24 10:12 | Resolved | 1 - Information C A | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-Recieved disclosure tracking, application date xxxxxx. - Due Diligence Vendor-06/24/2025 <br> Resolved- - Due Diligence Vendor-06/24/2025 <br> Ready for Review-The application date was xxxxxx. Please see attached Disclosure Tracking History. - Seller-06/20/2025 <br> Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. -----Please provide Homeownership Counseling Organizations List within 3 day of application date xxxxxx. - Due Diligence Vendor-06/11/2025 | Ready for Review-The application date was xxxxxx. Please see attached Disclosure Tracking History. - Seller-06/20/2025 | Resolved-Recieved disclosure tracking, application date xxxxxx. - Due Diligence Vendor-06/24/2025 | Qualifying DTI below maximum allowed - DTI of 36.47% is less than the maximum allowed per guidelines of 50%<br>Months Reserves exceed minimum required - Verified assets of 6.62 months exceeds the minimum required of 3 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840481 | xxxxxx C B A | Closed | xxxxxx | 2025-06-11 09:02 | 2025-06-24 10:12 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Recieved disclosure tracking, application date xxxxxx. - Due Diligence Vendor-06/24/2025 <br> Resolved- - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. The application date was xxxxxx. Please see attached Disclosure Tracking History. - Seller-06/20/2025 <br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into xxxxxx, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. -----Missing initial LE dated within 3 days of Application date of xxxxxx Additional Findings may apply upon receipt. Statue of Limitations - 1 year, expiration date xxxxxx. - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. The application date was xxxxxx. Please see attached Disclosure Tracking History. - Seller-06/20/2025 | Resolved-Recieved disclosure tracking, application date xxxxxx. - Due Diligence Vendor-06/24/2025 | Qualifying DTI below maximum allowed - DTI of 36.47% is less than the maximum allowed per guidelines of 50%<br>Months Reserves exceed minimum required - Verified assets of 6.62 months exceeds the minimum required of 3 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840481 | xxxxxx C B A | Closed | xxxxxx | 2025-06-11 09:02 | 2025-06-24 10:12 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Recieved disclosure tracking, application date xxxxxx. - Due Diligence Vendor-06/24/2025 <br> Resolved- - Due Diligence Vendor-06/24/2025 <br> Ready for Review-The application date was xxxxxx. Please see attached Disclosure Tracking History. - Seller-06/20/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($5,505.00) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-06/11/2025 | Ready for Review-The application date was xxxxxx. Please see attached Disclosure Tracking History. - Seller-06/20/2025 | Resolved-Recieved disclosure tracking, application date xxxxxx. - Due Diligence Vendor-06/24/2025 | Qualifying DTI below maximum allowed - DTI of 36.47% is less than the maximum allowed per guidelines of 50%<br>Months Reserves exceed minimum required - Verified assets of 6.62 months exceeds the minimum required of 3 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840481 | xxxxxx C B A | Closed | xxxxxx | 2025-06-11 09:02 | 2025-06-24 10:12 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Resolved-Recieved disclosure tracking, application date xxxxxx. - Due Diligence Vendor-06/24/2025 <br> Resolved- - Due Diligence Vendor-06/24/2025 <br> Ready for Review-The application date was xxxxxx. Please see attached Disclosure Tracking History. - Seller-06/20/2025 <br> Open-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: (12 CFR §1026.19(e)(1)(vi))The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions)This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.19(e)(1)(e)(1)(iii) §1026.2(a)(6) and as it relates to §1026.19(a)(1)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i) but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii). -----Please provide Written List of Service Providers within 3 days of application date of xxxxxx. - Due Diligence Vendor-06/11/2025 | Ready for Review-The application date was xxxxxx. Please see attached Disclosure Tracking History. - Seller-06/20/2025 | Resolved-Recieved disclosure tracking, application date xxxxxx. - Due Diligence Vendor-06/24/2025 | Qualifying DTI below maximum allowed - DTI of 36.47% is less than the maximum allowed per guidelines of 50%<br>Months Reserves exceed minimum required - Verified assets of 6.62 months exceeds the minimum required of 3 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840481 | xxxxxx C B A | Closed | xxxxxx | 2025-06-12 14:14 | 2025-06-12 14:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-06/12/2025 <br> Open-EXCEPTION in file to allow exception to allow first time home buyer<br> - Due Diligence Vendor-06/12/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-06/12/2025<br>| Qualifying DTI below maximum allowed - DTI of 36.47% is less than the maximum allowed per guidelines of 50%<br>Months Reserves exceed minimum required - Verified assets of 6.62 months exceeds the minimum required of 3 months | 5+ years of Verified employment history qualifying<br> FICO 20+ points above minimum for the program<br> 10 Years on Job  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 840481 | xxxxxx C B A | Closed | xxxxxx | 2025-06-11 08:35 | 2025-06-12 10:18 | Waived | 2 - Non-Material B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '8'). -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/11/2025 |  | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '8'). -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/11/2025<br>| Qualifying DTI below maximum allowed - DTI of 36.47% is less than the maximum allowed per guidelines of 50%<br>Months Reserves exceed minimum required - Verified assets of 6.62 months exceeds the minimum required of 3 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 840482 | xxxxxx C A | Closed | xxxxxx | 2025-06-10 05:12 | 2025-06-16 15:09 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Upon further review email states subject policy coverage is at 100% replacement cost. - Due Diligence Vendor-06/16/2025 <br> Ready for Review-xxxxxx state law does not permit for the requirements to provide the cost to replace estimates, the agent has confirmed the "dwelling is covered at replacement cost" - Seller-06/13/2025 <br> Ready for Review-Disagree, please see the following xxxxxx state law section: <br> In the event of a loss for which a dwelling or personal property is insured on the basis of replacement costs:<br> (a) For a dwelling, the insurer must initially pay at least the actual cash value of the insured loss, less any applicable deductible. The insurer shall pay any remaining amounts necessary to perform such repairs as work is performed and expenses are incurred. However, if a roof deductible under s. 627.701(10) is applied to the insured loss, the insurer may limit the claim payment as to the roof to the actual cash value of the loss to the roof until the insurer receives reasonable proof of payment by the policyholder of the roof deductible. Reasonable proof of payment includes a canceled check, money order receipt, credit card statement, or copy of an executed installment plan contract or other financing arrangement that requires full payment of the deductible over time. If a total loss of a dwelling occurs, the insurer must pay the replacement cost coverage without reservation or holdback of any depreciation in value, pursuant to s. 627.702.<br> - Seller-06/13/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. - Have Email from xxxxxx stating policy is replacement cost. HOI Policy shows "Replacement Cost Loss Settlement on Dwelling up to Coverage A amount Included Ordinance or Law Limit (25% of Cov A)". Total Coverage does not cover loan amount of xxxxxx. - Due Diligence Vendor-06/10/2025 | Ready for Review-xxxxxx state law does not permit for the requirements to provide the cost to replace estimates, the agent has confirmed the "dwelling is covered at replacement cost" - Seller-06/13/2025 <br> Ready for Review-Disagree, please see the following xxxxxx state law section: <br> In the event of a loss for which a dwelling or personal property is insured on the basis of replacement costs:<br> (a) For a dwelling, the insurer must initially pay at least the actual cash value of the insured loss, less any applicable deductible. The insurer shall pay any remaining amounts necessary to perform such repairs as work is performed and expenses are incurred. However, if a roof deductible under s. 627.701(10) is applied to the insured loss, the insurer may limit the claim payment as to the roof to the actual cash value of the loss to the roof until the insurer receives reasonable proof of payment by the policyholder of the xxxxxx deductible. Reasonable proof of payment includes a canceled check, money order receipt, credit card statement, or copy of an executed installment plan contract or other financing arrangement that requires full payment of the deductible over time. If a total loss of a dwelling occurs, the insurer must pay the replacement cost coverage without reservation or holdback of any depreciation in value, pursuant to s. 627.702.<br> - Seller-06/13/2025 | Resolved-Upon further review email states subject policy coverage is at 100% replacement cost. - Due Diligence Vendor-06/16/2025<br>| Qualifying DTI below maximum allowed - DTI of 32.8% is less than the maximum allowed per guidelines of 50%<br>LTV is less than guideline maximum - LTV of 65 is below the maximum of 75% allowed per guidelines |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840484 | xxxxxx C A | Closed | xxxxxx | 2025-06-18 13:09 | 2025-06-20 14:01 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received revised commitment w/the correct vesting. - Due Diligence Vendor-06/20/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-06/18/2025 <br> Open-Property Title Issue Purposed insured is the seller - not the borrower or the borrower's business xxxxxx. - Due Diligence Vendor-06/18/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/18/2025 | Resolved-Received revised commitment w/the correct vesting. - Due Diligence Vendor-06/20/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Lender minimum DSCR .75, borrower DSCR 1.002.<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 700, borrower FICO 759. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840485 | xxxxxx C B A | Closed | xxxxxx | 2025-06-12 16:53 | 2025-06-13 10:49 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/13/2025 <br> Open-Lender Exception Granted: Approved to proceed without lease agreement on Vacant, when xxxxxx Overlay requires. - Due Diligence Vendor-06/12/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/13/2025<br>| Credit history exceeds minimum required - 24+ month credit history exceeds minimum required.<br>Long term residence - 4+ years primary residence | 1. 4+ years primary residence.<br> 2. 24+ month credit history exceeds minimum required.<br>| ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 840489 | xxxxxx D B A | Closed | xxxxxx | 2025-06-10 10:46 | 2025-06-20 14:11 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Non-Business Purpose Investment refi. - Due Diligence Vendor-06/20/2025 <br> Counter-----Homeownership Counseling Disclosure with list of 10 agencies is required for all primary and secondary mortgage loans - Due Diligence Vendor-06/20/2025 <br> Ready for Review-Please review this loan as a TRID Loan and not a Business Purpose Loan - Seller-06/17/2025 <br> Counter-Please confirm non business purpose as Compliance/TRID testing will be required. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. Please see loan was not Underwritten as a Business Purpose. Also the Closing package pages 119-120 shows the Affidavit of Occupancy. Business Purpose is not applicable for this loan - Seller-06/13/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing Occupancy Cert and Business Purpose is missing from upload - Due Diligence Vendor-06/10/2025 | Ready for Review-Please review this loan as a TRID Loan and not a Business Purpose Loan - Seller-06/17/2025 <br> Ready for Review-Document Uploaded. Please see loan was not Underwritten as a Business Purpose. Also the Closing package pages 119-120 shows the Affidavit of Occupancy. Business Purpose is not applicable for this loan - Seller-06/13/2025 | Resolved-Non-Business Purpose Investment refi. - Due Diligence Vendor-06/20/2025<br>| Months Reserves exceed minimum required - 6 month minimum reserve requirement, borrower has 125.15 documented<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers FICO is 766 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840489 | xxxxxx D B A | Closed | xxxxxx | 2025-06-20 08:40 | 2025-06-20 09:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | Second Home Rider is Missing | Resolved-The Second Home Rider is Present or Not Applicable (Occupancy is Investment) - Due Diligence Vendor-06/20/2025 <br> Open-Second Home Rider is Missing - Due Diligence Vendor-06/20/2025 |  | Resolved-The Second Home Rider is Present or Not Applicable (Occupancy is Investment) - Due Diligence Vendor-06/20/2025<br>| Months Reserves exceed minimum required - 6 month minimum reserve requirement, borrower has 125.15 documented<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers FICO is 766 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840489 | xxxxxx D B A | Closed | xxxxxx | 2025-06-20 08:40 | 2025-06-20 09:11 | Resolved | 1 - Information C A | Compliance | Closing | Prepayment penalty on non-investment loan | Resolved-Rule False. - Due Diligence Vendor-06/20/2025 <br> Open-Prepayment penalty on non-investment loan. - Due Diligence Vendor-06/20/2025 |  | Resolved-Rule False. - Due Diligence Vendor-06/20/2025<br>| Months Reserves exceed minimum required - 6 month minimum reserve requirement, borrower has 125.15 documented<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers FICO is 766 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840489 | xxxxxx D B A | Closed | xxxxxx | 2025-06-10 11:47 | 2025-06-11 13:24 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing Lease Agreement | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/11/2025 <br> Open-EXCEPTION Approved: to use 75% of subject market rent from 1025. Non-Material: Experienced Investor, minimal rental income needed to qualify. - Due Diligence Vendor-06/10/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/11/2025<br>| Months Reserves exceed minimum required - 6 month minimum reserve requirement, borrower has 125.15 documented<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers FICO is 766 | -766 FICO<br> - SE over 20 years | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 840490 | xxxxxx D B C A | Closed | xxxxxx | 2025-06-10 13:17 | 2025-06-20 14:09 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Non-Business purpose investment refi. - Due Diligence Vendor-06/20/2025 <br> Ready for Review-Please review as a TRID loan and not a Business Purpose Loan - Seller-06/17/2025 <br> Counter-Please confirm non business purpose as Compliance/TRID will need to be tested. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Reviewed the file and this loan was not closed as a Business Purpose loan. Can this finding be removed? - Seller-06/13/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing Not found in the uploaded documents - Due Diligence Vendor-06/10/2025 | Ready for Review-Please review as a TRID loan and not a Business Purpose Loan - Seller-06/17/2025 <br> Ready for Review-Reviewed the file and this loan was not closed as a Business Purpose loan. Can this finding be removed? - Seller-06/13/2025 | Resolved-Non-Business purpose investment refi. - Due Diligence Vendor-06/20/2025<br>| Months Reserves exceed minimum required - 6 months reserves required, borrower has 124.36 documented<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score is 766 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840490 | xxxxxx D B C A | Closed | xxxxxx | 2025-06-19 17:36 | 2025-06-19 17:43 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-----$200 Re-inspection fee added without valid COC. Lender credit of $200 for closing costs above legal limit is on final CD. Finding resolved. - Due Diligence Vendor-06/19/2025 <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 $200.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-06/19/2025 |  | Resolved-----$200 Re-inspection fee added without valid COC. Lender credit of $200 for closing costs above legal limit is on final CD. Finding resolved. - Due Diligence Vendor-06/19/2025<br>| Months Reserves exceed minimum required - 6 months reserves required, borrower has 124.36 documented<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score is 766 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840490 | xxxxxx D B C A | Closed | xxxxxx | 2025-06-10 14:30 | 2025-06-11 13:59 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing Lease Agreement | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/11/2025 <br> Open-EXCEPTION REQUEST for using 75% of rent amount per 1007; Non-Material Experienced investor, Minimal rental income needed to qualify. - Due Diligence Vendor-06/10/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/11/2025<br>| Months Reserves exceed minimum required - 6 months reserves required, borrower has 124.36 documented<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score is 766 | -766 FICO<br> - SE over 20 years | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 840492 | xxxxxx D A | Closed | xxxxxx | 2025-06-17 12:52 | 2025-06-19 15:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received LE for both properties. - Due Diligence Vendor-06/19/2025 <br> Ready for Review-Document Uploaded. Loans are still pending for both properties. Uploaded loan estimate showing PITI for both properties. - Seller-06/18/2025 <br> Open-Missing documentation for 2 properties listed on 1003 as new loans with xxxxxx. xxxxxx - Due Diligence Vendor-06/17/2025 | Ready for Review-Document Uploaded. Loans are still pending for both properties. Uploaded loan estimate showing PITI for both properties. - Seller-06/18/2025 | Resolved-Received LE for both properties. - Due Diligence Vendor-06/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score is 750<br>Months Reserves exceed minimum required - 6 months reserves required, borrower has 45.29 documented |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840496 | xxxxxx C B A | Closed | xxxxxx | 2025-06-12 13:48 | 2025-06-18 18:11 | Resolved | 1 - Information B A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Business documentation. - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. Please see attached. Operating Agreement of xxxxxx shows borrower owns 99 % of subject company. Please waive the finding. - Seller-06/16/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Per 1003 borrower owns primary residence, property details for primary address shows owned by a xxxxxx free and clear. Need proof of borrower's ownership of xxxxxx or property. - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. Please see attached. Operating Agreement of xxxxxx shows borrower owns 99 % of subject company. Please waive the finding. - Seller-06/16/2025 | Resolved-Received Business documentation. - Due Diligence Vendor-06/18/2025<br>| Months Reserves exceed minimum required - 63 mths reserves; 0 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640, Bwr FICO 722 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840496 | xxxxxx C B A | Closed | xxxxxx | 2025-06-12 09:23 | 2025-06-12 14:08 | Waived | 2 - Non-Material C B | Credit | Title | Property Title Issue | Waived-Originator exception granted and in file, waiver applied with comp factors. Note signed as individual and client allows for multi-level entity. - Due Diligence Vendor-06/12/2025 <br> Open-Property Title Issue Originator exception in regards to Vesting in xxxxxx of which xxxxxx is 99.9% owner and borrower spouse is 0.1% owner. xxxxxx ownership is 99.9% our borrower and 0.1% spouse. - Due Diligence Vendor-06/12/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. Note signed as individual and client allows for multi-level entity. - Due Diligence Vendor-06/12/2025 | Months Reserves exceed minimum required - 63 mths reserves; 0 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640, Bwr FICO 722 | LTV 5%+ below max<br> FICO 20+ points above min. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 840497 | xxxxxx B A | Closed | xxxxxx | 2025-06-12 09:39 | 2025-06-12 13:47 | Waived | 2 - Non-Material B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived-Originator exception granted to allow loan DSCR ratio [of 0.807] less than 1 (xxxxxx min DSCR ratio of 1). Non-material waiver applied to finding with compensating factors.<br> Sufficient reserves, minimal debt. - Due Diligence Vendor-06/12/2025 <br> Open-The Calculated DSCR of '0.807' is less than the minimum DSCR per lender guidelines of '1'. An exception was provided - Due Diligence Vendor-06/12/2025 |  | Waived-Originator exception granted to allow loan DSCR ratio [of 0.807] less than 1 (xxxxxx min DSCR ratio of 1). Non-material waiver applied to finding with compensating factors.<br> Sufficient reserves, minimal debt. - Due Diligence Vendor-06/12/2025 | Qualifying FICO score is at least 20 points above minimum for program - 751 vs. min FICO 680<br>Months Reserves exceed minimum required - 21 months available vs. 0 required | FICO 20+ points above min<br> 0x30 housing history | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 840498 | xxxxxx C B A | Closed | xxxxxx | 2025-06-12 11:08 | 2025-06-16 16:31 | Resolved | 1 - Information C A | Credit | Assets | Gift Funds General | Resolved-Gifts funds were reduced so the borrower did not receive funds back at closing per guides. - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Please waive the finding. The gift letter is not required to be updated as it reflects the maximum amount of gift, since the actual amount received is less than listed on the gift letter, a revised gift letter is not required. - Seller-06/16/2025 <br> Open-Provide revised gift letter to match the actual gift funds transferred of $753,000 vs $925K as currently stated on gift letter. - Due Diligence Vendor-06/12/2025 | Ready for Review-Please waive the finding. The gift letter is not required to be updated as it reflects the maximum amount of gift, since the actual amount received is less than listed on the gift letter, a revised gift letter is not required. - Seller-06/16/2025 | Resolved-Gifts funds were reduced so the borrower did not receive funds back at closing per guides. - Due Diligence Vendor-06/16/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 34.7%.<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 740 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840498 | xxxxxx C B A | Closed | xxxxxx | 2025-06-12 11:07 | 2025-06-12 13:16 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project is ineligible | Waived-Single entity ownership cannot exceed 50%, currently at 53%<br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to non ATR affecting and strong compensating factors. - Due Diligence Vendor-06/12/2025 |  | Waived-Single entity ownership cannot exceed 50%, currently at 53%<br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to non ATR affecting and strong compensating factors. - Due Diligence Vendor-06/12/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 34.7%.<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 740 | 1. 0X30X24 Payment history<br> 2. FICO is 20 point higher<br> 3. 4+ years on job.<br> 4. DTI 5% below max. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 840499 | xxxxxx D A | Closed | xxxxxx | 2025-06-06 08:05 | 2025-06-13 15:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received ITIN. - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. Please waive as this is an ITIN loan with citizenship documented with the IRS ITIN letter. Proof of xxxxxx citizenship or country of origin is not required as xxxxxx citizenship is documented with the IRS ITIN letter. - Seller-06/12/2025 <br> Open-Borrower Citizenship Documentation Is Missing Missing either EAD or Visa to verify they are legally present in the xxxxxx - Due Diligence Vendor-06/09/2025 | Ready for Review-Document Uploaded. Please waive as this is an ITIN loan with citizenship documented with the IRS ITIN letter. Proof of xxxxxx citizenship or country of origin is not required as xxxxxx citizenship is documented with the IRS ITIN letter. - Seller-06/12/2025 | Resolved-Received ITIN. - Due Diligence Vendor-06/13/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 40.13%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 763 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840499 | xxxxxx D A | Closed | xxxxxx | 2025-06-09 12:10 | 2025-06-13 15:42 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received title supplement reflecting sufficient coverage. - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. - Seller-06/12/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title coverage is missing - Due Diligence Vendor-06/09/2025 | Ready for Review-Document Uploaded. - Seller-06/12/2025 | Resolved-Received title supplement reflecting sufficient coverage. - Due Diligence Vendor-06/13/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 40.13%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 763 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840506 | xxxxxx D A | Closed | xxxxxx | 2025-06-13 13:32 | 2025-06-26 14:11 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-06/25/2025 <br> Counter-Lender provided AVM which supports value, however, guidelines require Confidence Score of 90% or better, AVM in file has Confidence Score of 89%, Provide Desk Review to support value. - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. Please see attached located AVM from xxxxxx dated xxxxxx showing value of xxxxxx, which is not more than 10% below Appraisal value of xxxxxx. Therefore, said AVM should suffice according to the guidelines. - Seller-06/16/2025 <br> Open-UCDP's > 2.5 - desk review required, Not provided. - Due Diligence Vendor-06/13/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-06/25/2025 <br> Ready for Review-Document Uploaded. Please see attached located AVM from xxxxxx dated 5.13.2025 showing value of xxxxxx, which is not more than 10% below Appraisal value of xxxxxx. Therefore, said AVM should suffice according to the guidelines. - Seller-06/16/2025 | Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-06/26/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 43.41%.<br>Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 8.36m. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840509 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 840511 | xxxxxx D A | Closed | xxxxxx | 2025-06-10 06:23 | 2025-06-12 17:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. - Seller-06/12/2025 <br> Open-Borrower 1 Business Bank Statements Missing - Missing 12 months business bank statements. - Due Diligence Vendor-06/10/2025 | Ready for Review-Document Uploaded. - Seller-06/12/2025 | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-06/12/2025<br>| On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 44 months<br>Months Reserves exceed minimum required - Verified assets of 8.78 months exceeds the minimum required of 6 months |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840511 | xxxxxx D A | Closed | xxxxxx | 2025-06-10 10:12 | 2025-06-12 17:38 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 1 Months Income Verified is Missing | Resolved-12-months of business bank statements provided. - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. - Seller-06/12/2025 <br> Open-Income 1 Months Income Verified is Missing - Missing Bank Statements used to qualify income - Due Diligence Vendor-06/10/2025 | Ready for Review-Document Uploaded. - Seller-06/12/2025 | Resolved-12-months of business bank statements provided. - Due Diligence Vendor-06/12/2025<br>| On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 44 months<br>Months Reserves exceed minimum required - Verified assets of 8.78 months exceeds the minimum required of 6 months |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840514 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 840515 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 840516 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 840517 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 840518 | xxxxxx C B A | Closed | xxxxxx | 2025-06-11 15:17 | 2025-06-11 15:18 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow. Rate/Term refi - Due Diligence Vendor-06/11/2025 <br> Open-EXCEPTION in file to allow First time investor without owning a primary for 12 months<br> - Due Diligence Vendor-06/11/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow. Rate/Term refi - Due Diligence Vendor-06/11/2025<br>| Months Reserves exceed minimum required - Verified assets of 16.89 months exceeds the minimum required of 6 months<br>Qualifying DTI below maximum allowed - DTI of 30.14% is less than the maximum allowed per guidelines of 50% | -Reserves 3+ months above minimum<br> - FICO over 20 points of requirement<br> -4 yrs on the job | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 840519 | xxxxxx C B A | Closed | xxxxxx | 2025-06-12 08:00 | 2025-06-30 15:09 | Resolved | 1 - Information C A | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Resolved-Received back of card. - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. Please see the attached backside of the permanent residence card - Seller-06/26/2025 <br> Open-Provide a copy of the back of the Permanent Alien Resident Card. - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. Please see the attached backside of the permanent residence card - Seller-06/26/2025 | Resolved-Received back of card. - Due Diligence Vendor-06/30/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 6 mths- Borrower has 90.15 mths in reserves <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640- Borrower's FICO 705 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840519 | xxxxxx C B A | Closed | xxxxxx | 2025-06-12 07:44 | 2025-06-24 15:46 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator exception granted and in file, waiver applied with comp factors. Exception to proceed with non material waiver due to borrower owns primary free and clear. Guidelines require that a 1st time investor has a current/ active 12 month mortgage payment history. - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. Please see attached Approved Exception - Seller-06/20/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Exception Request: xxxxxx requires that a 1st time investor has a current/ active 12 month mortgage payment history. Seeking exception to proceed with borrowers free and clear property. - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. Please see attached Approved Exception - Seller-06/20/2025 | Waived-Originator exception granted and in file, waiver applied with comp factors. Exception to proceed with non material waiver due to borrower owns primary free and clear. Guidelines require that a 1st time investor has a current/ active 12 month mortgage payment history. - Due Diligence Vendor-06/24/2025 | Months Reserves exceed minimum required - Min reserves req'd 6 mths- Borrower has 90.15 mths in reserves <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640- Borrower's FICO 705 | -FICO 20 pts above minimum<br> - Free & Clear property (0X30 mortgage history) | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 840520 | xxxxxx C A | Closed | xxxxxx | 2025-06-18 11:57 | 2025-07-07 17:08 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved-Upon further review, the loan file contained all required xxxxxx documentation. - Due Diligence Vendor-07/07/2025 <br> Ready for Review-The non-existent balcony for our subject property requirements are none. Please escalate to supervisor to clear: Appraisal report confirms and verifies xxxxxx. Per xxxxxx Law SB326 states, \*\*\*\* "Load-bearing components" means \*\*\* those components that extend beyond the exterior walls of the building to deliver structural loads to the building from decks, balconies, stairways, walkways, and their railings, that have a walking surface elevated more than six feet above ground level, that are designed for human occupancy or use, AND that are supported in whole or in substantial part by wood or wood-based products.\*\*\*\* - Seller-07/02/2025 <br> Counter-While the subject unit may not have a balcony a structural report is required per the xxxxxx law. - Due Diligence Vendor-07/01/2025 <br> Ready for Review-Please see page 23 of appraisal report xxxxxx page, which shows that xxxxxx and also supported by the page 2 of 6 xxxxxx". please clear finding - Seller-06/30/2025 <br> Counter-Per the questionnaire, question 12 states unknown if the Is there a wood deck, balcony, stairway, walkway, or railing elevated more than 6 feet above the ground. Picture of the complex reflects a xxxxxx. - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Disagree- Appraisal report states subject unit property has xxxxxx and the loan does not require inspections on items that do not exist. Please clear false finding, xxxxxx <br> The 1008 in the initial packet uploaded, see page 21 shows "subject xxxxxx unit is warrantable & meets limited review req'ts". Also, see 10.12.2 Project Review Warrantable - xxxxxx eligible warrantable projects are permitted. Site xxxxxx meeting the xxxxxx definition are eligible for xxxxxx dwelling LTV/CLTV.<br> - Seller-06/21/2025 <br> Open-The file does not contain the required structural engineer report per xxxxxx law. Unable to determine the construction on the xxxxxx as Appraiser does not mention. Questionnaire states Bldg has not had an inspection/reserve study - Due Diligence Vendor-06/18/2025 | Ready for Review-The non-existent balcony for our subject property requirements are none. Please escalate to supervisor to clear: Appraisal report confirms and verifies property has xxxxxx, also noted on xxxxxx. Per xxxxxx SB326 states, \*\*\*\* "Load-bearing components" means \*\*\* those components that extend beyond the exterior walls of the building to deliver structural loads to the building from decks, balconies, stairways, walkways, and their railings, that have a walking surface elevated more than six feet above ground level, that are designed for human occupancy or use, AND that are supported in whole or in substantial part by wood or wood-based products.\*\*\*\* - Seller-07/02/2025 <br> Ready for Review-Please see page 23 of appraisal report xxxxxx page, which shows that xxxxxx". please clear finding - Seller-06/30/2025 <br> Ready for Review-Disagree- Appraisal report states subject unit property has xxxxxx and the loan does not require inspections on items that do not exist. Please clear false finding, xxxxxx <br> The 1008 in the initial packet uploaded, see page 21 shows "subject xxxxxx unit is warrantable & meets limited review req'ts". Also, see 10.12.2 Project Review Warrantable - xxxxxx eligible warrantable projects are permitted. Site xxxxxx meeting the xxxxxx definition are eligible for xxxxxx LTV/CLTV.<br> - Seller-06/21/2025 | exception to proceed with non material waiver due to borrower owns primary free and clear. Guidelines require that a 1st time investor has a current/ active 12 month mortgage payment history. - Due Diligence Vendor-06/24/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660, borrowers mid score is 713<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 35.64% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 840520 | xxxxxx C A | Closed | xxxxxx | 2025-06-17 15:11 | 2025-06-20 09:31 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Zero (0%) tolerance fees increased by $200 (Appraisal Fee) without a valid COC in file. Lender credit of $200 on final CD. Finding resolved - Due Diligence Vendor-06/20/2025 <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 $200.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $200 (Appraisal Fee) without a valid COC in file. Lender credit of $200 on final CD. Finding resolved - Due Diligence Vendor-06/17/2025 |  | Resolved-Zero (0%) tolerance fees increased by $200 (Appraisal Fee) without a valid COC in file. Lender credit of $200 on final CD. Finding resolved - Due Diligence Vendor-06/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660, borrowers mid score is 713<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 35.64% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 840521 | xxxxxx C B A | Closed | xxxxxx | 2025-06-13 09:15 | 2025-06-19 15:45 | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Received all pages of the Mortgage. - Due Diligence Vendor-06/19/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-06/17/2025 <br> Counter-Received signature/witness page 12-missing page 13. Please provide complete security instrument with all pages. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-06/16/2025 <br> Open-The Deed of Trust is Incomplete Missing page 12/13 containing the Borrower's signature. Once obtained, also ensure that there is at least one witness to meet state requirements. If no witness is present, a revised deed may be required. - Due Diligence Vendor-06/13/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/17/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-06/16/2025 | Resolved-Received all pages of the Mortgage. - Due Diligence Vendor-06/19/2025<br>| Months Reserves exceed minimum required - 2.93 months available vs. 0 required<br>Qualifying FICO score is at least 20 points above minimum for program - 761 vs. min FICO of 680 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840521 | xxxxxx C B A | Closed | xxxxxx | 2025-06-13 09:39 | 2025-06-17 14:29 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received fraud alert supporting documentation. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-06/16/2025 <br> Open-Fraud Report Shows Uncleared Alerts Alert for SSN not being issued by the SSA or SSN was issued after 06.2011. Lender UW stated condition to verify but no SSA-89 was noted in the file. Borrower is a non-permanent alien, so if there is a valid SSN for them, clarification on residency will be required. - Due Diligence Vendor-06/13/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/16/2025 | Resolved-Received fraud alert supporting documentation. - Due Diligence Vendor-06/17/2025<br>| Months Reserves exceed minimum required - 2.93 months available vs. 0 required<br>Qualifying FICO score is at least 20 points above minimum for program - 761 vs. min FICO of 680 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840521 | xxxxxx C B A | Closed | xxxxxx | 2025-06-13 10:08 | 2025-06-15 11:28 | Waived | 2 - Non-Material B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived-Originator exception granted to allow for/to proceed under new matrix which allows for 75% LTV on purchase DSCR ratio less than 1. (Current Guideline Description - max 70% LTV for DSCR purchase on ratio less than 1). <br> Non-material waiver applied to finding with compensating factors.<br> High FICO. Minimal debt.<br> - Due Diligence Vendor-06/15/2025 <br> Open-The Calculated DSCR of '0.907' is less than the minimum DSCR per lender guidelines of '1'. Minimum 1.00 required. And exception was provided. - Due Diligence Vendor-06/13/2025 |  | Waived-Originator exception granted to allow for/to proceed under new matrix which allows for 75% LTV on purchase DSCR ratio less than 1. (Current Guideline Description - max 70% LTV for DSCR purchase on ratio less than 1). <br> Non-material waiver applied to finding with compensating factors.<br> High FICO. Minimal debt.<br> - Due Diligence Vendor-06/15/2025 | Months Reserves exceed minimum required - 2.93 months available vs. 0 required<br>Qualifying FICO score is at least 20 points above minimum for program - 761 vs. min FICO of 680 | FICO 20+ points above min<br> -3+ months reserves | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 840525 | xxxxxx D A | Closed | xxxxxx | 2025-06-17 14:24 | 2025-07-09 15:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received back of card. - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-06/23/2025 <br> Open-Missing a copy of the back of the back the borrower's EAD card - Due Diligence Vendor-06/17/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/23/2025 | Resolved-Received back of card. - Due Diligence Vendor-06/24/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrowers DTI 33.48%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrowers FICO 743 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840525 | xxxxxx D A | Closed | xxxxxx | 2025-06-17 10:42 | 2025-06-24 13:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-06/23/2025 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-06/17/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/23/2025 | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-06/24/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrowers DTI 33.48%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrowers FICO 743 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840525 | xxxxxx D A | Closed | xxxxxx | 2025-06-17 11:12 | 2025-06-19 16:12 | Resolved | 1 - Information C A | Credit | Eligibility | Legal document incorrect or has issues | Resolved-Upon further review, legal description was located in the loan file. - Due Diligence Vendor-06/19/2025 <br> Ready for Review-Please waive the condition for missing Exhibit A/Legal description as it can be found on page 3 of mortgage of signed closing package and on page 644 of uploaded loan file. - Seller-06/17/2025 <br> Open-Provide the Exhibit A/ Legal Description part of the Mortgage/ Deed of Trust. - Due Diligence Vendor-06/17/2025 | Ready for Review-Please waive the condition for missing Exhibit A/Legal description as it can be found on page 3 of mortgage of signed closing package and on page 644 of uploaded loan file. - Seller-06/17/2025 | Resolved-Upon further review, legal description was located in the loan file. - Due Diligence Vendor-06/19/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrowers DTI 33.48%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrowers FICO 743 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840527 | xxxxxx C A | Closed | xxxxxx | 2025-06-11 08:13 | 2025-06-24 09:40 | Resolved | 1 - Information C A | Compliance | TRID | TRID Post-Consummation Event Validation Test | Resolved-Received attestation from client PCCD was issued and received by borrower after final CD. - Due Diligence Vendor-06/24/2025 <br> Ready for Review-While on the same date, the post consummation CD was sent to the borrower after closing docs were signed to accurately reflect the cash brought to transaction of xxxxxx after an $18k gift was applied. This was issued to the borrower. Signed docs were received back 9:18 AM xxxxxx and PCCD issued 1:54pm on xxxxxx per evidence attached. Please also note that this transaction was for Purchase, therefore there is no rescission period to be met. - Seller-06/22/2025 <br> Open-This loan failed the TRID Post-Consummation Event Validation Test.This loan has a post-consummation event date that occurs on or before the closing date or consummation date of the loan. Please review the loan data to ensure the dates are in the correct fields. ----Post CD is dated same day of as closing - Due Diligence Vendor-06/11/2025 | Ready for Review-While on the same date, the post consummation CD was sent to the borrower after closing docs were signed to accurately reflect the cash brought to transaction of xxxxxx after an $18k gift was applied. This was issued to the borrower. Signed docs were received back 9:18 AM xxxxxx and PCCD issued 1:54pm on xxxxxx per evidence attached. Please also note that this transaction was for Purchase, therefore there is no rescission period to be met. - Seller-06/22/2025 | Resolved-Received attestation from client PCCD was issued and received by borrower after final CD. - Due Diligence Vendor-06/24/2025<br>| Months Reserves exceed minimum required - Verified assets of 8.54 months exceeds the minimum required of 6 months<br>Qualifying DTI below maximum allowed - DTI of 20.62% is less than the maximum allowed per guidelines of 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840528 | xxxxxx C A | Closed | xxxxxx | 2025-06-17 08:33 | 2025-06-23 13:35 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Underwriter Attestation | Resolved-Received UW attestation. - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-06/20/2025 <br> Open-Provide the Underwriter Attestation confirming if the condo is or is not warrantable. - Due Diligence Vendor-06/17/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/20/2025 | Resolved-Received UW attestation. - Due Diligence Vendor-06/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrowers FICO 748<br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrowers DTI 36% |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840528 | xxxxxx C A | Closed | xxxxxx | 2025-06-17 12:00 | 2025-06-19 16:14 | 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-06/19/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-06/17/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title coverage is not sufficient - Due Diligence Vendor-06/17/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/17/2025 | Resolved-Received revised commitment w/sufficient coverage. - Due Diligence Vendor-06/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrowers FICO 748<br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrowers DTI 36% |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840536 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 840537 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 840538 | xxxxxx C B A | Closed | xxxxxx | 2025-06-20 11:47 | 2025-06-20 14:59 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-06/20/2025 <br> Open-Lender exception approved to allow 3 months seasoning on title for Cash-Out (Borrower is married to other title owner and has been making mortgage payments for 12+ months). - Due Diligence Vendor-06/20/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-06/20/2025<br>| Long term residence - Borrower has resided in subject primary for 10 yrs.<br>LTV is less than guideline maximum - Lender max LTV is 70%, subject LTV 55%. | 1. LTV 5% below max.<br> 2. DTI 5% below max.<br> 3. 4 yrs in home.<br> 4. 4 yrs on job. | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 840540 | xxxxxx C A | Closed | xxxxxx | 2025-06-11 14:47 | 2025-06-17 15:30 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received executed purchase contract. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-06/14/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Provide fully executed, complete, purchase contract. - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/14/2025 | Resolved-Received executed purchase contract. - Due Diligence Vendor-06/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 723.<br>Months Reserves exceed minimum required - Lender minimum reserves 3m PITIA, borrower reserves 20.24m. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840541 | xxxxxx D A | Closed | xxxxxx | 2025-06-16 10:47 | 2025-06-19 15:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Partial | Resolved-Upon further review, Master policy provided is sufficient. - Due Diligence Vendor-06/19/2025 <br> Ready for Review-Please see xxxxxx docs page 3 reflects all contact information: HOA xxxxxx" see xxxxxx - Seller-06/17/2025 <br> Counter-Finding revised-provide policy reflecting HOA and address. Received Insurance Disclosure with no address. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Please waive the finding as there i no requirement in the xxxxxx policies for the master HOI to reflect the borrower's unit # as the named insured. In this case it is acceptable since the HOA is listed as the name insured. xxxxxx - Seller-06/16/2025 <br> Open-Condo Master Insurance Policy Partially Provided Policy does not include borrower's unit # - Due Diligence Vendor-06/16/2025 | Ready for Review-Please see xxxxxx docs page 3 reflects all contact information: HOA xxxxxx" see xxxxxx - Seller-06/17/2025 <br> Ready for Review-Please waive the finding as there i no requirement in the xxxxxx policies for the master HOI to reflect the borrower's unit # as the named insured. In this case it is acceptable since the HOA is listed as the name insured. xxxxxx - Seller-06/16/2025 | Resolved-Upon further review, Master policy provided is sufficient. - Due Diligence Vendor-06/19/2025<br>| On time mortgage history exceeds guideline requirement - 6+ years<br>Months Reserves exceed minimum required - 6 month minimum reserve requirement, borrower has 11.77 documented |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840542 | xxxxxx C A | Closed | xxxxxx | 2025-06-18 11:50 | 2025-06-26 14:14 | Resolved | 1 - Information C A | Credit | Income/Employment | Income documentation does not meet guidelines | Resolved-Received acceptable LOE from the borrower. - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. Please see attached LOE explaining the gap in employment. xxxxxx Business License supporting the prior business submitted with original loan file. - Seller-06/24/2025 <br> Open-Provide proof that the borrower was self employed for at least 2 years and/or explanation as to what work borrower was doing between when the xxxxxx in xxxxxx (10/2022) closed and the one in xxxxxx opened (8/2023). 9 months gap - Due Diligence Vendor-06/18/2025 | Ready for Review-Document Uploaded. Please see attached LOE explaining the gap in employment. xxxxxx Business License supporting the prior business submitted with original loan file. - Seller-06/24/2025 | Resolved-Received acceptable LOE from the borrower. - Due Diligence Vendor-06/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 710<br>Months Reserves exceed minimum required - Min reserves 6 mths- Borrower has 14.03 mths in reserves |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840542 | xxxxxx C A | Closed | xxxxxx | 2025-06-17 06:58 | 2025-06-20 14:05 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Legal Description. - Due Diligence Vendor-06/20/2025 <br> Ready for Review-Document Uploaded. Legal description "Exhibit A" is located in the initial packet uploaded, please see page 993. Also uploaded anew, please see attached - Seller-06/18/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal - Due Diligence Vendor-06/17/2025 | Ready for Review-Document Uploaded. Legal description "Exhibit A" is located in the initial packet uploaded, please see page 993. Also uploaded anew, please see attached - Seller-06/18/2025 | Resolved-Received Legal Description. - Due Diligence Vendor-06/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 710<br>Months Reserves exceed minimum required - Min reserves 6 mths- Borrower has 14.03 mths in reserves |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840543 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 840544 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 840546 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 840548 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 840549 | xxxxxx C A | Closed | xxxxxx | 2025-06-16 10:06 | 2025-06-18 18:22 | Resolved | 1 - Information C A | Credit | Borrower | Potential Identity Issues identified in the file | Resolved-Received VISA - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. Please see attached VISA and the uploaded loan file includes the borrower's approval notice on page 420; no additional documentation is required. - Seller-06/16/2025 <br> Open-Provide a copy of the EAD card (Front & Back) to support the I-797. - Due Diligence Vendor-06/16/2025 | Ready for Review-Document Uploaded. Please see attached VISA and the uploaded loan file includes the borrower's approval notice on page 420; no additional documentation is required. - Seller-06/16/2025 | Resolved-Received VISA - Due Diligence Vendor-06/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 712<br>Qualifying DTI below maximum allowed - Max DTI 45% (FTHB)- Borrower's DTI 34.7% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840549 | xxxxxx C A | Closed | xxxxxx | 2025-06-16 14:19 | 2025-06-18 18:18 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Upon further review, the CPA provided 2 years. - Due Diligence Vendor-06/18/2025 <br> Ready for Review-We respectfully disagree. According to the CPA letter borrower has been self employed since 02/2023, at which time they filed Scheduled C, then as of 08/03/2023 filed as a xxxxxx. - Seller-06/16/2025 <br> Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months Per CPA letter and verification of business reflects opened 8/2023 < 24 months. - Due Diligence Vendor-06/16/2025 | Ready for Review-We respectfully disagree. According to the CPA letter borrower has been self employed since 02/2023, at which time they filed Scheduled C, then as of 08/03/2023 filed as a xxxxxx. - Seller-06/16/2025 | Resolved-Upon further review, the CPA provided 2 years. - Due Diligence Vendor-06/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 712<br>Qualifying DTI below maximum allowed - Max DTI 45% (FTHB)- Borrower's DTI 34.7% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840551 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 840554 | xxxxxx C B A | Closed | xxxxxx | 2025-06-23 08:23 | 2025-06-23 10:03 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Cash Out Does Not Meet Guideline Requirements: Proceeds with cash out amount exceeding max of $500,000 with LTV of 70% <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to non ATR loan and strong compensating factors. - Due Diligence Vendor-06/23/2025 |  | Waived-Cash Out Does Not Meet Guideline Requirements: Proceeds with cash out amount exceeding max of $500,000 with LTV of 70% <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to non ATR loan and strong compensating factors. - Due Diligence Vendor-06/23/2025<br>| On time mortgage history exceeds guideline requirement - 0X30 mortgage history 24 months<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 38.03% | LTV 5% below max<br> DTI 5% below max<br> 0X30 mortgage history 24 months<br> 18 years on job | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 840555 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 840556 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 840646 | xxxxxx D A | Closed | xxxxxx | 2025-06-19 09:07 | 2025-07-09 17:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Credit Refresh. - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. please see borrower gap - Seller-06/20/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-06/19/2025 | Ready for Review-Document Uploaded. please see borrower gap - Seller-06/20/2025 | Resolved-Received Credit Refresh. - Due Diligence Vendor-06/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 753 score exceeds 700 minimum.<br>LTV is less than guideline maximum - 85% LTV is below max of 90%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840646 | xxxxxx D A | Closed | xxxxxx | 2025-06-18 22:08 | 2025-06-23 14:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received borrowers xxxxxx Passport supporting final 1003. - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. Final 1003 listed the borrower as xxxxxx citizen. Please see passport attached. - Seller-06/20/2025 <br> Open-Initial 1003 list citizenship as Permanent Resident Alien - no documentation provided - documentation and clarification of the borrowers citizenship status is required. - Due Diligence Vendor-06/19/2025 | Ready for Review-Document Uploaded. Final 1003 listed the borrower as xxxxxx. Please see passport attached. - Seller-06/20/2025 | Resolved-Received borrowers xxxxxx Passport supporting final 1003. - Due Diligence Vendor-06/23/2025 | Qualifying FICO score is at least 20 points above minimum for program - 753 score exceeds 700 minimum.<br>LTV is less than guideline maximum - 85% LTV is below max of 90%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840646 | xxxxxx D A | Closed | xxxxxx | 2025-06-19 09:37 | 2025-06-23 14:10 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received internet business search. - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. please see business phone num verification - Seller-06/20/2025 <br> Open-Missing business internet search for phone number - Due Diligence Vendor-06/19/2025 | Ready for Review-Document Uploaded. please see business phone num verification - Seller-06/20/2025 | Resolved-Received internet business search. - Due Diligence Vendor-06/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 753 score exceeds 700 minimum.<br>LTV is less than guideline maximum - 85% LTV is below max of 90%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840649 | xxxxxx D A | Closed | xxxxxx | 2025-06-18 21:01 | 2025-06-24 12:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. xxxxxx attached - Seller-06/23/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-06/19/2025 | Ready for Review-Document Uploaded. xxxxxx attached - Seller-06/23/2025 | Resolved-Received credit refresh. - Due Diligence Vendor-06/24/2025<br>| Months Reserves exceed minimum required - Qualifying Total Reserves Number of Months 34.89 exceed minimum required 9 months <br>Qualifying DTI below maximum allowed - DTI 35.77% less than 49.99% max allowed |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840654 | xxxxxx D A | Closed | xxxxxx | 2025-06-19 08:03 | 2025-06-24 12:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Credit Refresh. - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. xxxxxx attached - Seller-06/23/2025 <br> Open-Borrower 1 Gap Credit Report is Missing GAP report is required - Due Diligence Vendor-06/19/2025 | Ready for Review-Document Uploaded. xxxxxx attached - Seller-06/23/2025 | Resolved-Received Credit Refresh. - Due Diligence Vendor-06/24/2025<br>| Qualifying DTI below maximum allowed - DTI 4.09% is lower than allowable 49.99%<br>Months Reserves exceed minimum required - 15.47 months reserves exceed required 4 by 11.47 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840973 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 841037 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 841039 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |

---

## Exhibit 99.17

**EXHIBIT 99.17**

**clarifii rating agency grades summary report**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **Initial Credit Loan Grades Moody's** | **Initial Compliance Loan Grades Moody's** | **Initial Property Loan Grades Moody's** | **Initial Overall Loan Grades Moody's** | **Final Credit Loan Grades Moody's** | **Final Compliance Loan Grades Moody's** | **Final Property Loan Grades Moody's** | **Final Overall Loan Grades Moody's** |
| 827752 | xxxxxx | xxxxxx D | N/A D | N/A D C | N/A C D | N/A D B | N/A B | N/A | N/A B | N/A B |
| 828780 | xxxxxx | xxxxxx C | C A | A C | C | C A | A | A | A | A |
| 828783 | xxxxxx | xxxxxx C | C A | A C | C | C A | A | A | A | A |
| 829004 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 829512 | xxxxxx | xxxxxx C | C A | A D | D | D B | B A | A | A B | B |
| 829752 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 829875 | xxxxxx | xxxxxx D | N/A D | N/A D | N/A D | N/A D B | N/A B | N/A B | N/A B | N/A B |
| 830029 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 830034 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 830175 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 830303 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 830636 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 830816 | xxxxxx | xxxxxx B | N/A B C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 830820 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 830872 | xxxxxx | xxxxxx D | N/A D | N/A | N/A D | N/A D B | N/A B | N/A | N/A B | N/A B |
| 830932 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 831245 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 831521 | xxxxxx | xxxxxx C | C A | A D | D | D B | B A | A | A B | B |
| 831536 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 831538 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 831825 | xxxxxx | xxxxxx B | B | B A | A B | B A | A B | B A | A B | B |
| 831887 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 831925 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 832187 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 832318 | xxxxxx | xxxxxx A | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B |
| 832338 | xxxxxx | xxxxxx A | N/A C | N/A C | N/A C | N/A C | N/A | N/A B | N/A B | N/A B |
| 832402 | xxxxxx | xxxxxx B | N/A B D | N/A D | N/A D | N/A D B | N/A B | N/A B | N/A B | N/A B |
| 832418 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 832468 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 832514 | xxxxxx | xxxxxx A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B |
| 832536 | xxxxxx | xxxxxx D | D A | A D | D | D B | B A | A | A B | B |
| 832618 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 832648 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 832695 | xxxxxx | xxxxxx A | A | A D | D | D A | A | A | A | A |
| 832720 | xxxxxx | xxxxxx C | N/A C B | N/A B | N/A C | N/A C B | N/A B | N/A B | N/A B | N/A B |
| 832745 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 832781 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 832798 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 832941 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 832954 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 832968 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 833059 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833088 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833113 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833140 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 833167 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 833168 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 833214 | xxxxxx | xxxxxx C | C A | A D | D | D B | B A | A | A B | B |
| 833243 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833255 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 833266 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 833300 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833302 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 833308 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 833347 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833447 | xxxxxx | xxxxxx D | N/A D | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 833472 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833475 | xxxxxx | xxxxxx A | A | A D | D | D A | A | A | A | A |
| 833520 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 833527 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833528 | xxxxxx | xxxxxx C | N/A C D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 833551 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833555 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 833563 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 833587 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 833596 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 833635 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 833689 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 833691 | xxxxxx | xxxxxx D | N/A D | N/A | N/A D | N/A D B | N/A B | N/A | N/A B | N/A B |
| 833699 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833704 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 833731 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 833734 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 833745 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833818 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833850 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 833856 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 833859 | xxxxxx | xxxxxx D | N/A D | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 833943 | xxxxxx | xxxxxx D | D | D A | A D | D A | A B | B A | A B | B |
| 833944 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 833947 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833948 | xxxxxx | xxxxxx C | C | C A | A C | C A | A B | B A | A B | B |
| 833950 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 834026 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 834039 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 834108 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 834110 | xxxxxx | xxxxxx C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 834112 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 834147 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 834154 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 834181 | xxxxxx | xxxxxx C | N/A C B | N/A B | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B |
| 834184 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 834206 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 834231 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 834284 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 834291 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 834306 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 834348 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 834375 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 834383 | xxxxxx | xxxxxx A | A | A D | D | D A | A | A | A | A |
| 834388 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 834399 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 834480 | xxxxxx | xxxxxx C | N/A C B | N/A B | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 834511 | xxxxxx | xxxxxx C | N/A C D | N/A D | N/A D | N/A D B | N/A B | N/A | N/A B | N/A B |
| 834544 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 834593 | xxxxxx | xxxxxx C | C A | A C | C | C A | A | A B | B | B |
| 834610 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 834644 | xxxxxx | xxxxxx D | N/A D B | N/A B | N/A D | N/A D B | N/A B | N/A B | N/A B | N/A B |
| 834645 | xxxxxx | xxxxxx D | N/A D | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 834816 | xxxxxx | xxxxxx C | C A | A C | C | C A | A | A | A | A |
| 834865 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 834903 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 834914 | xxxxxx | xxxxxx D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 834937 | xxxxxx | xxxxxx A | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 834943 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 834978 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 835040 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835042 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 835055 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835059 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835067 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835077 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835087 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835104 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835133 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 835156 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 835163 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 835192 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 835217 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 835226 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 835230 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835235 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 835239 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835245 | xxxxxx | xxxxxx D | N/A D | N/A | N/A D | N/A D B | N/A B | N/A | N/A B | N/A B |
| 835265 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 835279 | xxxxxx | xxxxxx A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B |
| 835322 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835340 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 835341 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835404 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 835405 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835406 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835411 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 835417 | xxxxxx | xxxxxx A | N/A C | N/A C D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 835420 | xxxxxx | xxxxxx C | N/A C | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 835424 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835425 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 835443 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 835445 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A B | B A | A B | B |
| 835452 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835458 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 835462 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 835463 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 835465 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835481 | xxxxxx | xxxxxx D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 835488 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 835504 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 835512 | xxxxxx | xxxxxx D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 835614 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 835631 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835634 | xxxxxx | xxxxxx C | N/A C B | N/A B C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B |
| 835653 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C B | N/A B | N/A | N/A B | N/A B |
| 835657 | xxxxxx | xxxxxx C | N/A C | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 835667 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A | A | A | A |
| 835671 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835678 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835701 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 835709 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 835742 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835744 | xxxxxx | xxxxxx D | N/A D | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 835753 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 835754 | xxxxxx | xxxxxx D | N/A D | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 835758 | xxxxxx | xxxxxx D | N/A D | N/A C | N/A C D | N/A D B | N/A B | N/A | N/A B | N/A B |
| 835777 | xxxxxx | xxxxxx D | D C | C A | A D | D B | B A | A | A B | B |
| 835779 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835830 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 835833 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835848 | xxxxxx | xxxxxx D | N/A D | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 835863 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 835922 | xxxxxx | xxxxxx B | N/A B C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 835925 | xxxxxx | xxxxxx A | A | A D | D | D A | A | A | A | A |
| 835958 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 835964 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835983 | xxxxxx | xxxxxx D | N/A D | N/A | N/A D | N/A D B | N/A B | N/A | N/A B | N/A B |
| 835988 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835993 | xxxxxx | xxxxxx A | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 836029 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 836072 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 836100 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836124 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 836127 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836145 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 836153 | xxxxxx | xxxxxx C | N/A C D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 836203 | xxxxxx | xxxxxx D | N/A D | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 836210 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836213 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 836216 | xxxxxx | xxxxxx B | N/A B | N/A | N/A B | N/A B | N/A B | N/A | N/A B | N/A B |
| 836219 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836220 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 836237 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836277 | xxxxxx | xxxxxx D | N/A D | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 836281 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836286 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 836314 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 836315 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 836316 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836330 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 836348 | xxxxxx | xxxxxx A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B |
| 836350 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836353 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836356 | xxxxxx | xxxxxx C | N/A C D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 836367 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 836372 | xxxxxx | xxxxxx A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B |
| 836391 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 836426 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 836458 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836559 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 836581 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836586 | xxxxxx | xxxxxx A | N/A B | N/A B D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 836592 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 836595 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A B | B A | A B | B |
| 836605 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836618 | xxxxxx | xxxxxx D | N/A D | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 836632 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836643 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836666 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 836672 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836677 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836682 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 836765 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 836772 | xxxxxx | xxxxxx A | N/A | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 836811 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 836813 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836851 | xxxxxx | xxxxxx A | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 836854 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836855 | xxxxxx | xxxxxx D | N/A D | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 836879 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 836880 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836912 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 836933 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 836945 | xxxxxx | xxxxxx B | B A | A | A B | B A | A | A | A | A |
| 836978 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836986 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 837007 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 837008 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 837029 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 837058 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 837060 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 837067 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 837068 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 837075 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 837094 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 837101 | xxxxxx | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 837103 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 837105 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 837135 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 837150 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 837156 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 837189 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 837257 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 837275 | xxxxxx | xxxxxx C | C B | B A | A C | C B | B | B A | A B | B |
| 837315 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 837329 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 837379 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A | A | A | A |
| 837410 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 837417 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 837422 | xxxxxx | xxxxxx B | B A | A | A B | B A | A | A | A | A |
| 837424 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 837426 | xxxxxx | xxxxxx B | B A | A | A B | B A | A | A | A | A |
| 837460 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 837462 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 837464 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 837487 | xxxxxx | xxxxxx D | D B | B A | A D | D B | B A | A | A B | B |
| 837515 | xxxxxx | xxxxxx D | N/A D | N/A | N/A D | N/A D B | N/A B | N/A | N/A B | N/A B |
| 837526 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 837527 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 837535 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 837552 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 837564 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 837578 | xxxxxx | xxxxxx A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B |
| 837591 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 837605 | xxxxxx | xxxxxx D | N/A D B | N/A B | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 837624 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 837631 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 837632 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 837633 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 837671 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 837673 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 837676 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 837782 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 837797 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 837804 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 837816 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 837891 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A | A | A | A |
| 837911 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A B | B A | A B | B |
| 837914 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 837920 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 837924 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 837925 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 837926 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 837927 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 837933 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 837936 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 837942 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 837986 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 837990 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 837995 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 838013 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 838019 | xxxxxx | xxxxxx D | N/A D | N/A C | N/A C D | N/A D | N/A | N/A | N/A | N/A |
| 838023 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 838045 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 838047 | xxxxxx | xxxxxx C | C | C A | A C | C B | B A | A | A B | B |
| 838055 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 838065 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 838068 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 838078 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 838095 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 838105 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 838113 | xxxxxx | xxxxxx A | A | A D | D | D A | A | A | A | A |
| 838115 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 838116 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 838121 | xxxxxx | xxxxxx C | C A | A D | D | D A | A | A | A | A |
| 838124 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 838127 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 838134 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 838155 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 838165 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 838168 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 838180 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 838186 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 838188 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 838215 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 838217 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 838223 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 838235 | xxxxxx | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 838241 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 838242 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 838244 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 838247 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 838279 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 838304 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 838316 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 838337 | xxxxxx | xxxxxx C | C B | B C | C | C A | A | A B | B | B |
| 838355 | xxxxxx | xxxxxx C | C | C A | A C | C A | A C | C A | A C | C |
| 838362 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 838406 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 838416 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 838418 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A | A | A | A |
| 838439 | xxxxxx | xxxxxx C | C A | A C | C | C B | B A | A | A B | B |
| 838440 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 838475 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 838477 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 838478 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 838495 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 838513 | xxxxxx | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 838522 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 838528 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 838564 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 838565 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 838571 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 838573 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 838592 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 838602 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 838619 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 838620 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 838621 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 838622 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 838640 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 838650 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 838659 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 838674 | xxxxxx | xxxxxx A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B |
| 838686 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 838723 | xxxxxx | xxxxxx B | B | B D | D | D A | A B | B A | A B | B |
| 838732 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 838738 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 838743 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 838759 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 838803 | xxxxxx | xxxxxx C | C | C A | A C | C B | B | B A | A B | B |
| 838826 | xxxxxx | xxxxxx A | N/A | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 838827 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 838936 | xxxxxx | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 838946 | xxxxxx | xxxxxx C | C B | B A | A C | C B | B A | A | A B | B |
| 838954 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 838957 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 839355 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 839361 | xxxxxx | xxxxxx D | D B | B A | A D | D B | B | B A | A B | B |
| 839388 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 839389 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 839390 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 839437 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 839456 | xxxxxx | xxxxxx C | C A | A D | D | D A | A | A | A | A |
| 839475 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 839526 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 839527 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 839558 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 839576 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 839577 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 839586 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 839588 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 839628 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 839690 | xxxxxx | xxxxxx A | A B | B C | C | C A | A | A | A | A |
| 839692 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 839748 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 839763 | xxxxxx | xxxxxx A | A | A C | C | C A | A | A | A | A |
| 839775 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 839813 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 839819 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 839832 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 839840 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 839872 | xxxxxx | xxxxxx C | C B | B A | A C | C B | B | B A | A B | B |
| 839873 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 839874 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 839877 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 839894 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 839897 | xxxxxx | xxxxxx C | C | C A | A C | C A | A B | B A | A B | B |
| 839950 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 840003 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A | A | A | A |
| 840264 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 840404 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 840464 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 840465 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 840471 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 840472 | xxxxxx | xxxxxx B | B C | C D | D | D B | B A | A | A B | B |
| 840479 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 840480 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 840481 | xxxxxx | xxxxxx C | C | C A | A C | C B | B | B A | A B | B |
| 840482 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 840484 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 840485 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 840489 | xxxxxx | xxxxxx D | D | D A | A D | D B | B A | A | A B | B |
| 840490 | xxxxxx | xxxxxx D | D C | C A | A D | D B | B A | A | A B | B |
| 840492 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 840496 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 840497 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 840498 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 840499 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 840506 | xxxxxx | xxxxxx A | A | A D | D | D A | A | A | A | A |
| 840509 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 840511 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 840514 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 840515 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 840516 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 840517 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 840518 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 840519 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 840520 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 840521 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 840525 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 840527 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 840528 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 840536 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 840537 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 840538 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 840540 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 840541 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 840542 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 840543 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 840544 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 840546 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 840548 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 840549 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 840551 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 840554 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 840555 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 840556 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 840646 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 840649 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 840654 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 840973 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 841037 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 841039 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.18

**EXHIBIT 99.18**

**clarifii data compare report**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 834610 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 24.18 | 34.00 | Per Assets |
| 835848 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 11.21 | 5.00 | Per cash out proceeds |
| 837315 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 92.6 | 6.00 | Per cash out proceeds |
| 837564 | xxxxxx | xxxxxx | Loan Program | businessPurposeApprovalandGuidelinePage | xxxxxx | xxxxxx | Per guidelines confirmed by orignator |
| 841037 | xxxxxx | xxxxxx | Loan Program | businessPurposeApprovalandGuidelinePage | xxxxxx | xxxxxx | Per guidelines confirmed by orignator |
| 841039 | xxxxxx | xxxxxx | Loan Program | businessPurposeApprovalandGuidelinePage | xxxxxx | xxxxxx | Per guidelines confirmed by orignator |
| 834610 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 835067 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 835087 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 838477 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 840514 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 840521 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 840649 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 838477 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 840649 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 833856 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 837008 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 837410 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 837797 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 838495 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 838622 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 840484 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 833856 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 837008 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 837410 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 837797 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 838495 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 838622 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 835848 | xxxxxx | xxxxxx | B1 Credit Report Date | creditLiabilitiesPage | 03-14-2025 | 03/01/2025 | Per Credit Report |
| 830029 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 790 | 797 | Per Credit Report |
| 830034 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 790 | 797 | Per Credit Report |
| 830636 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 774 | 764 | Per Credit Report |
| 832618 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 811 | 790 | Per Credit Report |
| 833255 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 754 | 761 | Per Credit Report |
| 834388 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 738 | 728 | Per Credit Report |
| 834544 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 767 | 750 | Per Credit Report |
| 835667 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 737 | 726 | Per Credit Report |
| 835744 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 770 | 777 | Per Credit Report |
| 836391 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 704 | 762 | Per Credit Report |
| 837029 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 683 | 681 | Per Credit Report |
| 837605 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 791 | 783 | Per Credit Report |
| 837942 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 780 | 747 | Per Credit Report |
| 838247 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 736 | 727 | Per Credit Report |
| 838592 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 683 | 682 | Per Credit Report |
| 838936 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 670 | 671 | Per Credit Report |
| 838946 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 759 | 755 | Per Credit Report |
| 828783 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.102 | 0.888626645292234 | Market rents vs actual rents |
| 832418 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.245 | 1.2836264873254 | Audit used STR as lender did, difference is HOA was not considered in lenders calcs. |
| 833731 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.156 | 1.44496262991575 | Variance due to Lender did not deducting 20% for STR |
| 834375 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.033 | 1.37966843452138 | Variance due to Lender not applying STR 20% expense factor |
| 835059 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.495 | 1.39 | Leases/PITIA, Lender DSCR Worksheet not provided |
| 835265 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.62 | 2.02500593037451 | Lender did not apply 20% expense factor |
| 835848 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 0 | 0.808 | Loan is not a DSCR |
| 840537 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 0.872 | 0.893 | Lender used incorrect taxes |
| 832514 | xxxxxx | xxxxxx | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | ATR/QM: Exempt | Owner Occupied Transaction |
| 833447 | xxxxxx | xxxxxx | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | ATR/QM: Exempt | Owner Occupied Transaction |
| 836330 | xxxxxx | xxxxxx | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | ATR/QM: Exempt | Owner Occupied Transaction |
| 837068 | xxxxxx | xxxxxx | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | ATR/QM: Exempt | Owner Occupied Transaction |
| 837671 | xxxxxx | xxxxxx | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | ATR/QM: Exempt | Personal Use |
| 834937 | xxxxxx | xxxxxx | QM Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 29.72 | 23.903 | Variance due to using audit using lower income |
| 839692 | xxxxxx | xxxxxx | QM Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.74 | 39.177 | audit calculated lower income. |
| 836851 | xxxxxx | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 47.75 | 41.20 | Variance due to Lender's income calc. and 1st lien payment |
| 827752 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 24.2 | 27.37 | Audit matches Lender's 1008 |
| 832402 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.76 | 33.77 | Lender loan approval/1008 missing |
| 832514 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.67 | 38.54 | Variance due to Lender not including HOA |
| 833167 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.58 | 37.12 | Lender did not include PITI for the investment. |
| 833596 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 7.16 | 31.00 | missing income docs |
| 833859 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.93 | 14.57 | Audit matches 1008 |
| 834110 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.88 | 33.29 | Variance due to Audit calculated less consumer debt |
| 834181 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.55 | 38.60 | Audit matched lender 1008 in file. |
| 834184 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.08 | 30.00 | Audit DTI within 2% of the Lender's 1008 |
| 835042 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.88 | 35.60 | Lender included lower payment for collection. |
| 835404 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.34 | 39.00 | Audit is within 2% of the Lender DTI on 1008 |
| 835420 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.84 | 23.37 | Audit DTI within 2% of the 1008 DTI |
| 835424 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 10.54 | 5.73 | Audit DTI matches DTI from 1008 in file |
| 835445 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.81 | 45.47 | Audit in line with the 1008. |
| 835463 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.54 | 49.59 | Audited DTI is within 2% from 1008 |
| 835465 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.51 | 41.25 | Audit matches Lenders Approval 1008 |
| 835634 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.72 | 49.76 | Variance due to Lender including higher other debt |
| 835653 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 29.05 | 34.14 | Audit DTI within 2% of the 1008 |
| 835678 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 20.1 | 14.32 | Audit DTI within 2% of DTI from 1008 |
| 835863 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.15 | 49.99 | Audit DTI w/in tolerance of lenders DTI per 1008 |
| 835922 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.86 | 40.25 | Variance due to Audit calculating less income. |
| 835983 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.31 | 32.55 | Audit DTI within 2% of the 1008 |
| 836203 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 14.65 | 11.26 | Variance due to Lender not including departing payment |
| 836286 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.97 | 38.85 | Matches Originator's 1008 DTI |
| 836559 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.98 | 17.66 | Audit matches Lender's 1008 |
| 836595 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 8.98 | 32.00 | Tape source unknown, 1008 similar to Audit |
| 836666 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.87 | 22.20 | Audit matches lender 1008 |
| 836851 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.97 | 42.30 | Variance due to Lender's income calc. and 1st lien payment |
| 836855 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.2 | 43.88 | Audit calculated lower income. |
| 836879 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.32 | 42.00 | audit matches 1008 |
| 837029 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 50.14 | 43.33 | In line with 1008, tape source unknown. |
| 837060 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.24 | 45.69 | Lender debts per 1008 do not match credit report |
| 837068 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 27.79 | 31.22 | Lender used incorrect P&I payment for primary 1st lien on the 1008. Lender included taxes and insurance twice. |
| 837101 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.98 | 29.74 | consistent with the 1008. |
| 837564 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 13.57 | 20.50 | File is missing 1008 to Compare |
| 837673 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.66 | 45.02 | audit in line with 1008 |
| 837891 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.81 | 24.06 | Audit DTI matches 1008 in file |
| 837936 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.19 | 43.44 | Subject property taxes and insurance shown on lender 1008 are estimated amounts; audit used actual verified amounts. |
| 837942 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.55 | 19.00 | Audit DTI in line with lender DTI on 1008. |
| 838019 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.47 | 38.81 | DTI within 2% of DTI from 1008 in file |
| 838023 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.4 | 49.00 | Audit in line with the 1008. |
| 838047 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 27.7 | 40.03 | 1008 calc confirms |
| 838065 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 24.31 | 31.39 | Audit matches final 1008 |
| 838068 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.94 | 46.92 | DTI is in line with lender 1008. |
| 838078 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 15.37 | 20.75 | Lender counted T&I twice in total monthly payments |
| 838095 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.56 | 43.68 | Audit in line with 1008 |
| 838124 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.56 | 33.99 | Lender used a lower monthly rent for REOs than documentation provided |
| 838215 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 29.26 | 34.15 | DTI within 2% of 1008 from 1008 in file |
| 838223 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 25.34 | 19.57 | Tape source unknown, 1008 similar to Audit |
| 838279 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.84 | 34.97 | Tape source unknown, 1008 similar to Audit |
| 838316 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.59 | 29.54 | Audit calculated less income (excluded transfers and large deposits from income calculation). |
| 838416 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.3 | 28.60 | auditor considered child support. alimony was deducted from income |
| 838418 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.33 | 32.10 | DTI within 2% of DTI on 1008 in file |
| 838440 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 25.64 | 4.98 | DTI matches 1008 |
| 838573 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.08 | 42.49 | Audit income and debts match lender 1008, unable to determine discrepancy |
| 838592 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.17 | 44.79 | Auditor added current primary; lender did not add it as they retained. |
| 838759 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.99 | 44.87 | 1008 match post income |
| 838957 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.05 | 38.41 | Tape source unknown, 1008 similar to Audit |
| 839388 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 18.3 | 23.23 | Tape source unknown, 1008 similar to Audit |
| 839576 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.09 | 35.16 | Tape source unknown, 1008 similar to Audit |
| 839588 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.55 | 24.60 | Tape source unknown, 1008 similar to Audit |
| 839819 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.78 | 40.00 | Per income/credit - used refresh debt since score was used by lender |
| 839872 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 50.21 | 45.43 | Audit included new debt on gap report. |
| 839897 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 20.47 | 11.20 | lender bank statement income worksheet has incorrect deposit amount for 8/2024. |
| 840484 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 109717.76 | DSCR Loan |
| 840489 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.53 | 45.11 | Audit finds lender did not use Market Rent |
| 840538 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.7 | 29.11 | Lender's income calc is incorrect. Audit's income figure lower |
| 840541 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.93 | 32.70 | Lender did not count departure residence in DTI |
| 840546 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.28 | 34.68 | Audit includes REO with pending sale as final CD is not provided |
| 840554 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.03 | 43.00 | UW added T&I twice on primary per 1008 and did not reflect xxxxxx as paid monthly per credit therefore dti is off |
| 834544 | xxxxxx | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 9745.28 | 9325.28 | Lender did not use HOA fee |
| 834610 | xxxxxx | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 7533.49 | 5967.49 | Lender figure excludes HOA fee |
| 837782 | xxxxxx | xxxxxx | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Per income docs |
| 839894 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | file included P&L, not Bank Statements |
| 832514 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 837633 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 837671 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 837911 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 837914 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 837924 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 837927 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 838244 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 839872 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 839894 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 840471 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 840499 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 840506 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 840549 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 840654 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 837633 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 837816 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 837911 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 837914 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 837920 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 837924 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 837927 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 838244 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 838478 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 839872 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 839877 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 839894 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 839897 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 840654 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 835055 | xxxxxx | xxxxxx | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per citizenship documents |
| 840537 | xxxxxx | xxxxxx | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per passport |
| 832954 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 833563 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 834399 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 835653 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 837075 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 837424 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 838055 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 839894 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 833243 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 833563 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 837075 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 837422 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 837424 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 837426 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 838055 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 839361 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 839894 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 830303 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 830872 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 831521 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 833587 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 833689 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 833704 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 834206 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 835993 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 836029 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 836281 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 836854 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 838134 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 839361 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 833059 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.75 | 7.8750 | Per Note |
| 833266 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.75 | 0.0775 | Per Note |
| 834284 | xxxxxx | xxxxxx | Interest Rate | notePage | 8.125 | 0.0812 | Per Note |
| 835424 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.625 | 7.3750 | Per Note |
| 835481 | xxxxxx | xxxxxx | Interest Rate | notePage | 9.375 | 9.6250 | Per Note |
| 836391 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.875 | 8.1250 | Per Note |
| 837942 | xxxxxx | xxxxxx | Interest Rate | notePage | 8.625 | 8.6750 | Per Note |
| 838337 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.875 | 7.5000 | Per Note |
| 833059 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 833140 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 833596 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 834154 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 834206 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 835322 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 835405 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 835411 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 835424 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 835653 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 835667 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 835678 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 835925 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 838045 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 838355 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 839355 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 839832 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 837942 | xxxxxx | xxxxxx | Margin | notePage | 3.75 | 2.000 | Per Note |
| 838659 | xxxxxx | xxxxxx | Margin | notePage | 2.75 | 2.000 | Per Note |
| 833302 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 833308 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 835040 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 835042 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 835055 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 835059 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 835067 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 835087 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 840471 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 840472 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 840481 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 840484 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 840492 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 840496 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 840497 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 840498 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 840499 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 840506 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 840515 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 840516 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 840518 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 840519 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 840520 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 840521 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 840525 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 840527 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 840528 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 840538 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 840540 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 840541 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 840542 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 840549 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 837797 | xxxxxx | xxxxxx | Prepayment Penalty Flag | notePage | Y | false | Per Note |
| 837075 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 36 | NA | Per Note |
| 832187 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 832954 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 832968 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 833167 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 835458 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 837007 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 837632 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 837927 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 838045 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 838571 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 839950 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 834231 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 836348 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 837060 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 839390 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | All in same city per title |
| 835424 | xxxxxx | xxxxxx | Property Zip Code | notePage | xxxxxx | xxxxxx | Per Note |
| 839390 | xxxxxx | xxxxxx | Property Zip Code | notePage | xxxxxx | xxxxxx | All in same zip per title |
| 835040 | xxxxxx | xxxxxx | HOA Flag | propertyValuationPage | No | Y | Per Appraisal |
| 840471 | xxxxxx | xxxxxx | HOA Flag | propertyValuationPage | No | Y | Per Appraisal |
| 840498 | xxxxxx | xxxxxx | Is the Condo Project warrantable | propertyValuationPage | No | Y | Non-Warrantable due to investor concentration exceeds 10%. |
| 840519 | xxxxxx | xxxxxx | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per Condo Questionnaire and Appraisal |
| 840520 | xxxxxx | xxxxxx | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Tape value Per lenders 1008, Audit per GL condo is warrantable. |
| 840541 | xxxxxx | xxxxxx | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per Audit of project |
| 832648 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 3 | 1 | Per Appraisal |
| 832954 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 4 | 2 | Per Appraisal |
| 835040 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 5 | 4 | Per Appraisal |
| 835753 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 4 | 1 | Per Appraisal |
| 840471 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 1 | 2 | Per Appraisal |
| 837564 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per Appraisal |
| 839894 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Lender using original purchase price for LTV calc |
| 840484 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Using lower value of 2 appraisals completed. |
| 840497 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per Appraisal |
| 836213 | xxxxxx | xxxxxx | Property Attachment Type | propertyValuationPage | Attached | Detached | Per Appraisal |
| 829752 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 830175 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condotel | Condominium | Per Appraisal |
| 830303 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per Appraisal |
| 830820 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condominium High Rise | Condominium | Per Appraisal |
| 830872 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Attached | Per Appraisal |
| 831245 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Per Appraisal |
| 831887 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 832418 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condotel | Condominium | Per Appraisal |
| 832648 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| 832745 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 832781 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD Attached | Per Appraisal |
| 832968 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 833266 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condotel | Condominium | Per Appraisal |
| 833302 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| 833308 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| 833347 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| 833520 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 833551 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD Attached | Per Appraisal |
| 833596 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 833635 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condotel | Condominium | Per Appraisal |
| 833689 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 833731 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condotel | Condominium | Per Appraisal |
| 833818 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per Appraisal |
| 833850 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condotel | Condominium | Per Appraisal |
| 834112 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per Appraisal |
| 834284 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condotel | Condominium | Per Appraisal |
| 834348 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condotel | Condominium | Per Appraisal |
| 834375 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD Attached | Per Appraisal |
| 834399 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condominium High Rise | Condominium | Per Appraisal |
| 834914 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 834978 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 835040 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per Appraisal |
| 835055 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| 835059 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| 835077 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Attached | Per Appraisal |
| 835192 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per Appraisal |
| 835341 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD Attached | Per Appraisal |
| 835406 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condominium High Rise | Condominium | Per Appraisal |
| 835411 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 835417 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per Appraisal |
| 835424 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per Appraisal |
| 835443 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 835452 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 835458 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condominium | Single Family Attached | Per Appraisal |
| 835465 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 835488 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD | Per Appraisal |
| 835631 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 835701 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD Attached | Per Appraisal |
| 835744 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 835753 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Mixed Use | Other | Per Appraisal |
| 835830 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condotel | Condominium | Per Appraisal |
| 835848 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| 835863 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 836029 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 836127 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 836145 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per Appraisal |
| 836153 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 836213 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per Appraisal |
| 836220 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 836286 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per Appraisal |
| 836314 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 836426 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 836458 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 836595 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 836605 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per Appraisal |
| 836618 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 836666 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 836765 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per Appraisal |
| 836811 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condominium | Single Family Detached | Per Appraisal |
| 836813 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| 836851 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | SFD | Per Appraisal |
| 836880 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 837094 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Attached | Per Appraisal |
| 837101 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per Appraisal |
| 837424 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per Appraisal |
| 837462 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 837673 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 837804 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Attached | Per Appraisal |
| 837891 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 837925 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 837933 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 837936 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 837986 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 838013 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Two to Four Unit | Per Appraisal |
| 838124 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 838188 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 838215 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per Appraisal |
| 838217 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 838223 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Attached | Per Appraisal |
| 838592 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 838686 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condominium | Condotel | Per Appraisal |
| 838723 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| 838732 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 839388 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 839526 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 839576 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 839690 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 839813 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per Appraisal |
| 839819 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per Appraisal |
| 840498 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condotel | Condominium | Per Appraisal |
| 840515 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Per Appraisal |
| 840527 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| 832941 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 46.43 | 43.33 | Per 1008 |
| 833059 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 65 | 70.00 | Per approval |
| 834206 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 64.18 | 65.00 | loan amount/appraisal value |
| 834480 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 56.42 | 76.74 | Per 1008 |
| 835279 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 64.51 | 64.67 | Per 1008 |
| 835322 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 59.82 | 43.60 | Per 1008 |
| 835404 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 74.93 | 75.00 | loan amount/listing price |
| 835417 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 32.52 | 22.76 | loan amount/appraisal value |
| 835420 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 61.82 | 61.92 | loan amount/appraisal value |
| 835463 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 64.13 | 67.05 | Per 1008 |
| 835465 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 72.22 | 73.03 | Per Loan/Appraisal value - lender shows wrong appraised value on 1008 |
| 835653 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 56.06 | 61.92 | Per 1008 |
| 835678 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 39.61 | 38.06 | Per 1008 |
| 835758 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 73.52 | 73.62 | Per 1008 |
| 835922 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 74.42 | 74.92 | Per 1008 |
| 835925 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 68.97 | 70.00 | Loan Amount/Appraised Review product Value. |
| 837105 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 51.08 | 54.12 | Matched lender 1003/1008: Tape Data Unknown |
| 839832 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 30.38 | 31.65 | audit in line with 1008 |
| 832941 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 46.43 | 43.33 | Per 1008 |
| 833059 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 65 | 70.00 | Per approval |
| 834206 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 64.18 | 65.00 | loan amount/appraisal value |
| 834480 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 17.89 | 24.33 | Per 1008 |
| 835322 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 59.82 | 43.60 | Per 1008 |
| 835404 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 74.93 | 75.00 | loan amount/listing price |
| 835417 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 10.73 | 14.71 | loan amount + first lien/appraisal value |
| 835420 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 40.33 | 40.40 | loan amount/appraisal value |
| 835463 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 12.32 | 12.88 | Per 1008 |
| 835465 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 72.22 | 73.03 | Per Loan/Appraisal value - lender shows wrong appraised value on 1008 |
| 835653 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 28.28 | 34.14 | Per 1008 |
| 835678 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 39.61 | 38.06 | Per 1008 |
| 835925 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 68.97 | 70.00 | Loan Amount/Appraised Review product Value. |
| 836851 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 10.22 | 10.20 | Audit in line with 1008 |
| 837105 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 15.74 | 16.62 | Matched lender 1003/1008: Tape Data Unknown |
| 838045 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 39.66 | 33.99 | Matches lenders Approval |
| 838355 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 65 | 64.52 | Audit LTV matches lenders per 008 |
| 839355 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 71.15 | 73.08 | Audit LTV matches lenders LTV per 1008 |
| 839832 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 30.38 | 31.65 | audit in line with 1008 |
| 834154 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per 1008, Stlmnt |
| 835667 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | per final CD |
| 838186 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per Addendum 1 to purchase contract |
| 838355 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per Final CD, purchase contract |
| 839361 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per Final Cd |
| 837460 | xxxxxx | xxxxxx | B1 Country Name | the1003Page | xxxxxx | xxxxxx | per ID |
| 837782 | xxxxxx | xxxxxx | B1 Country Name | the1003Page | xxxxxx | xxxxxx | Per Final 1003 |
| 836772 | xxxxxx | xxxxxx | Borrower 1 FTHB | the1003Page | false | Y | Loan is a refinance |
| 837075 | xxxxxx | xxxxxx | Borrower 1 FTHB | the1003Page | false | Y | per loan application |
| 837797 | xxxxxx | xxxxxx | Borrower 1 Other Income | the1003Page | 0 | -12307.82 | per 1003 |
| 838622 | xxxxxx | xxxxxx | Borrower 1 Other Income | the1003Page | 0 | -5613.34 | per Final 1003 |
| 835133 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | Per 1003 & Cbr. |
| 837936 | xxxxxx | xxxxxx | Occupancy | the1003Page | Primary Residence | Investment | Per approval primary home |
| 833140 | xxxxxx | xxxxxx | Refinance Type | the1003Page | No Cash Out - Borrower Initiated | Cash Out - Other | Borrower cash back less than cash out threshold |
| 840518 | xxxxxx | xxxxxx | ULI | the1003Page | xxxxxx | xxxxxx | Per 1003 |
| 836851 | xxxxxx | xxxxxx | Lien Position | TitlePage | 2 | 1 | Per 1008 |

---

## Exhibit 99.19

**EXHIBIT 99.19**

**clarifii atr qm report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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?** |
| 827752 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1050 | 9.291 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 201471.15 | N/A | Employed |  | No |  | No |  |
| 828780 | xxxxxx | xxxxxx | 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 |
| 828783 | xxxxxx | xxxxxx | 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 |
| 829004 | xxxxxx | xxxxxx | 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 |
| 829512 | xxxxxx | xxxxxx | 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 |
| 829752 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 829875 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2627.5 | 8.883 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7411.37 | N/A | Employed | Employed | No | No | No |  |
| 830029 | xxxxxx | xxxxxx | 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 |
| 830034 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 830175 | xxxxxx | xxxxxx | 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 |
| 830303 | xxxxxx | xxxxxx | 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 |
| 830636 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 830816 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 774.89 | 8.95 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 13990.5 | N/A | Employed |  | No |  | No |  |
| 830820 | xxxxxx | xxxxxx | 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 |
| 830872 | xxxxxx | xxxxxx | 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 | 45826.43 | Yes | Employed |  | No |  | Yes | Present |
| 830932 | xxxxxx | xxxxxx | 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 |
| 831245 | xxxxxx | xxxxxx | 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 |
| 831521 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 831536 | xxxxxx | xxxxxx | 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 |
| 831538 | xxxxxx | xxxxxx | 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 |
| 831825 | xxxxxx | xxxxxx | 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 | 7691.25 | 8.261 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 3607.59 | Yes | Retired |  | No |  | No |  |
| 831887 | xxxxxx | xxxxxx | 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 |
| 831925 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 832187 | xxxxxx | xxxxxx | 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 |
| 832318 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3745 | 8.648 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5994.66 | Yes | Retired | Employed | No | No | No |  |
| 832338 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2995 | 9.399 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4728.73 | Yes | Employed | Retired | No | No | No |  |
| 832402 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 1910 | 10.252 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7353.36 | Yes | Employed | Employed | No | No | No |  |
| 832418 | xxxxxx | xxxxxx | 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 |
| 832468 | xxxxxx | xxxxxx | 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 |
| 832514 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2359.65 | 8.208 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4833.88 | N/A | Employed |  | No |  | No |  |
| 832536 | xxxxxx | xxxxxx | 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 |
| 832618 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 20275 | 7.924 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 9157.26 | Yes | Employed |  | No |  | No |  |
| 832648 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 832695 | xxxxxx | xxxxxx | 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 |
| 832720 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2826.25 | 9.561 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5702.21 | Yes | Retired |  | No |  | No |  |
| 832745 | xxxxxx | xxxxxx | 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 |
| 832781 | xxxxxx | xxxxxx | 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 |
| 832798 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 832941 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 832954 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 832968 | xxxxxx | xxxxxx | 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 |
| 833059 | xxxxxx | xxxxxx | 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 |
| 833088 | xxxxxx | xxxxxx | 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 |
| 833113 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 833140 | xxxxxx | xxxxxx | 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 |
| 833167 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 25440 | 8.044 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 35938.04 | N/A | Employed | Retired | No | No | No |  |
| 833168 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 833214 | xxxxxx | xxxxxx | 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 |
| 833243 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 833255 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 | No | Yes | Present |
| 833266 | xxxxxx | xxxxxx | 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 |
| 833300 | xxxxxx | xxxxxx | 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 |
| 833302 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 30275 | 9.441 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 24016.34 | Yes | Employed |  | No |  | No |  |
| 833308 | xxxxxx | xxxxxx | 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 |
| 833347 | xxxxxx | xxxxxx | 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 |
| 833447 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4729.25 | 7.95 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 20316.2 | Yes | Employed |  | No |  | No |  |
| 833472 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 833475 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 833520 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 833527 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 833528 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 8903.41 | 8.842 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4712.7 | N/A | Employed |  | No |  | No |  |
| 833551 | xxxxxx | xxxxxx | 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 |
| 833555 | xxxxxx | xxxxxx | 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 |
| 833563 | xxxxxx | xxxxxx | 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 | 266497.64 | Yes | Employed |  | No |  | Yes | Present |
| 833587 | xxxxxx | xxxxxx | 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 |
| 833596 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 4760 | 8.913 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 86718.79 | Yes | Employed |  | No |  | No |  |
| 833635 | xxxxxx | xxxxxx | 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 |
| 833689 | xxxxxx | xxxxxx | 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 |
| 833691 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 5857.5 | 8.437 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 8705.45 | Yes | Employed |  | No |  | No |  |
| 833699 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 833704 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 833731 | xxxxxx | xxxxxx | 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 |
| 833734 | xxxxxx | xxxxxx | 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 |
| 833745 | xxxxxx | xxxxxx | 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 |
| 833818 | xxxxxx | xxxxxx | 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 |
| 833850 | xxxxxx | xxxxxx | 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 |
| 833856 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 17605 | 7.755 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 29861.19 | N/A | Employed |  | No |  | No |  |
| 833859 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3840 | 8.257 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5468 | N/A | Retired |  | No |  | No |  |
| 833943 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 5844.08 | 9.515 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 59244.65 | Yes | Employed | Not Employed | No | No | No |  |
| 833944 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 | No | Yes | Present |
| 833947 | xxxxxx | xxxxxx | 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 |
| 833948 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1590 | 7.142 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 29457.38 | N/A | Not Employed | Not Employed | No | No | No |  |
| 833950 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 | No | Yes | Present |
| 834026 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 834039 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 834108 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6490 | 9.102 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 31437.77 | N/A | Employed |  | No |  | No |  |
| 834110 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5052.7 | 8.58 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 17976.21 | Yes | Employed |  | No |  | No |  |
| 834112 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 834147 | xxxxxx | xxxxxx | 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 |
| 834154 | xxxxxx | xxxxxx | 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 |
| 834181 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4140 | 8.04 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6381.38 | N/A | Employed |  | No |  | No |  |
| 834184 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4390 | 8.022 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 8337.42 | N/A | Employed |  | No |  | No |  |
| 834206 | xxxxxx | xxxxxx | 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 |
| 834231 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 834284 | xxxxxx | xxxxxx | 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 |
| 834291 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 834306 | xxxxxx | xxxxxx | 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 |
| 834348 | xxxxxx | xxxxxx | 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 |
| 834375 | xxxxxx | xxxxxx | 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 |
| 834383 | xxxxxx | xxxxxx | 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 |
| 834388 | xxxxxx | xxxxxx | 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 |
| 834399 | xxxxxx | xxxxxx | 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 |
| 834480 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 5345 | 9.392 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 9887.52 | Yes | Employed | Employed | No | No | No |  |
| 834511 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 3156.29 | 9.805 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 2996.36 | Yes | Employed | Not Employed | No | No | No |  |
| 834544 | xxxxxx | xxxxxx | 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 |
| 834593 | xxxxxx | xxxxxx | 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 |
| 834610 | xxxxxx | xxxxxx | 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 |
| 834644 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 8280.5 | 8.341 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4497.25 | N/A | Employed |  | No |  | No |  |
| 834645 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3321 | 9.212 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4606.79 | N/A | Employed |  | No |  | No |  |
| 834816 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 834865 | xxxxxx | xxxxxx | 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 |
| 834903 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 834914 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1484 | 8.168 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 3975.96 | N/A | Retired | Retired | No | No | No |  |
| 834937 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11940 | 8.806 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 22384.23 | Yes | Employed |  | No |  | No |  |
| 834943 | xxxxxx | xxxxxx | 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 |
| 834978 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 835040 | xxxxxx | xxxxxx | 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 |
| 835042 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | Yes | No | No | No | No | Yes | No | No | No | No | No | 88270 | 9.23 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 147982.92 | Yes | Employed |  | No |  | No |  |
| 835055 | xxxxxx | xxxxxx | 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 |  |  |  |  | Yes |  | Yes | Present |
| 835059 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 835067 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | 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 |
| 835077 | xxxxxx | xxxxxx | 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 |
| 835087 | xxxxxx | xxxxxx | 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 |
| 835104 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 835133 | xxxxxx | xxxxxx | 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 |
| 835156 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2715 | 8.809 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5702.47 | N/A | Employed |  | No |  | No |  |
| 835163 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 835192 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 835217 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 835226 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 835230 | xxxxxx | xxxxxx | 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 |  |  | No |  | Yes | Present |
| 835235 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 835239 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 835245 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1550 | 8.682 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 428638.7 | Yes | Employed |  | No |  | No |  |
| 835265 | xxxxxx | xxxxxx | 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 |
| 835279 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1599.92 | 8.179 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 2542.56 | N/A | Retired | Retired | No | No | No |  |
| 835322 | xxxxxx | xxxxxx | 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 |
| 835340 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 835341 | xxxxxx | xxxxxx | 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 |
| 835404 | xxxxxx | xxxxxx | 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 | 18773.58 | N/A | Employed |  | No |  | Yes | Present |
| 835405 | xxxxxx | xxxxxx | 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 |
| 835406 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 835411 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15968.62 | 7.05 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 39546.46 | Yes | Employed | Not Employed | No | No | No |  |
| 835417 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2164 | 7.992 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 33872.64 | Yes | Employed |  | No |  | No |  |
| 835420 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 0 | 7.171 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4911.44 | N/A | Employed |  | No |  | No |  |
| 835424 | xxxxxx | xxxxxx | 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 | 18393.56 | 7.784 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 74401.43 | Yes | Not Employed | Employed | No | No | No |  |
| 835425 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10019.99 | 9.245 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 30329.29 | Yes | Employed | Employed | No | No | No |  |
| 835443 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 835445 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 11759.75 | 9.12 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 13231.68 | Yes | Employed |  | No |  | No |  |
| 835452 | xxxxxx | xxxxxx | 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 |
| 835458 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 835462 | xxxxxx | xxxxxx | 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 | 11090.19 | Yes | Employed | Employed | No | No | Yes | Present |
| 835463 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3962 | 9.397 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6984.34 | N/A | Employed |  | No |  | No |  |
| 835465 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1175 | 7.558 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 14530.32 | Yes | Employed |  | No |  | No |  |
| 835481 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | 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 | 15584.66 | N/A | Employed |  | No |  | Yes | Present |
| 835488 | xxxxxx | xxxxxx | 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 |
| 835504 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 835512 | xxxxxx | xxxxxx | 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 | 6496 | 8.514 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 15335.11 | N/A | Employed | Employed | No | No | No |  |
| 835614 | xxxxxx | xxxxxx | 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 |
| 835631 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 835634 | xxxxxx | xxxxxx | 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 | 7581.75 | 8.391 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6884.97 | Yes | Employed | Employed | No | No | No |  |
| 835653 | xxxxxx | xxxxxx | 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 | 12270 | 9.968 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 78081.14 | N/A | Employed | Not Employed | No | No | No |  |
| 835657 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4374 | 7.786 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 8353.84 | N/A | Employed | Employed | No | No | No |  |
| 835667 | xxxxxx | xxxxxx | 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 | 16402.52 | 7.733 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5453.04 | Yes | Employed |  | No |  | No |  |
| 835671 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 835678 | xxxxxx | xxxxxx | 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 | 10160.3 | 7.16 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 26546.58 | Yes | Employed |  | No |  | No |  |
| 835701 | xxxxxx | xxxxxx | 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 |
| 835709 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 6820 | 7.575 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 25317.81 | Yes | Employed | Employed | No | No | No |  |
| 835742 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 835744 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3540.01 | 9.226 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6542.05 | N/A | Employed |  | No |  | No |  |
| 835753 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 835754 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4799 | 8.364 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 30254.63 | N/A | Employed |  | No |  | No |  |
| 835758 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 7640 | 8.278 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5170.78 | Yes | Employed |  | No |  | No |  |
| 835777 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 5703.68 | 8.397 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 3243.54 | Yes | Employed |  | No |  | No |  |
| 835779 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | 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 | 9230.94 | Yes | Employed |  | No |  | Yes | Present |
| 835830 | xxxxxx | xxxxxx | 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 |
| 835833 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 835848 | xxxxxx | xxxxxx | 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 | 32574.84 | N/A | Employed | Not Employed | No | No | Yes | Present |
| 835863 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1820 | 7.249 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 3710.73 | N/A | Employed |  | No |  | No |  |
| 835922 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4790 | 9.186 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 14325.7 | N/A | Employed | Employed | No | No | No |  |
| 835925 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 835958 | xxxxxx | xxxxxx | 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 |
| 835964 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 835983 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3219.43 | 9.566 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 1909.97 | N/A | Employed |  | No |  | No |  |
| 835988 | xxxxxx | xxxxxx | 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 |
| 835993 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3699.02 | 9.571 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5183.18 | N/A | Employed | Not Employed | No | No | No |  |
| 836029 | xxxxxx | xxxxxx | 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 |
| 836072 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 836100 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 836124 | xxxxxx | xxxxxx | 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 |
| 836127 | xxxxxx | xxxxxx | 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 |
| 836145 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 836153 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3157 | 8.936 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4671.38 | N/A | Employed | Not Employed | No | No | No |  |
| 836203 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4295 | 8.688 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 128298.56 | N/A | Employed |  | No |  | No |  |
| 836210 | xxxxxx | xxxxxx | 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 |
| 836213 | xxxxxx | xxxxxx | 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 |
| 836216 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 4550 | 8.571 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 175716.75 | N/A | Employed |  | No |  | No |  |
| 836219 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 836220 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 836237 | xxxxxx | xxxxxx | 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 |  |  | No |  | Yes | Present |
| 836277 | xxxxxx | xxxxxx | 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 | 4319.82 | 9.482 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 10310.72 | Yes | Employed |  | No |  | No |  |
| 836281 | xxxxxx | xxxxxx | 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 |
| 836286 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 7.765 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 23786.01 | N/A | Employed |  | No |  | No |  |
| 836314 | xxxxxx | xxxxxx | 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 |
| 836315 | xxxxxx | xxxxxx | 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 |
| 836316 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 836330 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4490 | 9.382 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 32622.54 | N/A | Employed |  | No |  | No |  |
| 836348 | xxxxxx | xxxxxx | 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 | 4764.02 | 9.524 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 11871.77 | N/A | Employed | Employed | No | No | No |  |
| 836350 | xxxxxx | xxxxxx | 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 |
| 836353 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 8.523 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 28447.43 | Yes | Employed |  | No |  | No |  |
| 836356 | xxxxxx | xxxxxx | 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 | 4466.38 | 9.562 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4742.08 | N/A | Employed |  | No |  | No |  |
| 836367 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 6802.33 | 8.966 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6825.89 | N/A | Employed | Employed | No | No | No |  |
| 836372 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2289 | 8.333 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 3333.41 | N/A | Retired |  | No |  | No |  |
| 836391 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15587 | 8.13 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 67910.29 | Yes | Employed | Employed | No | No | No |  |
| 836426 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1590 | 8.79 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 19216.4 | N/A | Employed | Not Employed | No | No | No |  |
| 836458 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2715 | 7.565 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 87298.66 | Yes | Employed |  | No |  | No |  |
| 836559 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5090 | 9.177 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 29452.86 | Yes | Employed |  | No |  | No |  |
| 836581 | xxxxxx | xxxxxx | 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 |
| 836586 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | N/A | No | No | No | No | No | No | No | No | No | No | No | 2902.38 | 9.904 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 13790.89 | N/A | Employed | Employed | No | No | No |  |
| 836592 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | Yes | No | No | No | Yes | No | No | No | No | No | 6486 | 7.913 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 20147.8 | N/A | Not Employed |  | No |  | No |  |
| 836595 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 12232.58 | 10.144 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 226536.3 | Yes | Employed | Employed | No | No | No |  |
| 836605 | xxxxxx | xxxxxx | 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 |
| 836618 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 6090 | 9.559 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 12656.29 | N/A | Employed | Employed | No | No | No |  |
| 836632 | xxxxxx | xxxxxx | 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 |
| 836643 | xxxxxx | xxxxxx | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender 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 |
| 836666 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1990 | 9.071 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 2483.75 | N/A | Employed |  | No |  | No |  |
| 836672 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 836677 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 836682 | xxxxxx | xxxxxx | 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 |
| 836765 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 12134.72 | 8.245 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 8675.53 | Yes | Employed |  | No |  | No |  |
| 836772 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 6495 | 8.707 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5947.95 | N/A | Employed |  | No |  | No |  |
| 836811 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 3807 | 9.105 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 9402.04 | Yes | Employed |  | No |  | No |  |
| 836813 | xxxxxx | xxxxxx | 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 |
| 836851 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1895 | 9.089 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 19185.04 | Yes | Employed |  | No |  | No |  |
| 836854 | xxxxxx | xxxxxx | 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 |
| 836855 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 13925 | 10.124 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 9933.9 | Yes | Employed | Employed | No | No | No |  |
| 836879 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | 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 | 19981.18 | Yes | Employed | Employed | No | No | Yes | Present |
| 836880 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 | No | Yes | Present |
| 836912 | xxxxxx | xxxxxx | 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 |
| 836933 | xxxxxx | xxxxxx | 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 |
| 836945 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | 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 |
| 836978 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 836986 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 837007 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3930 | 7.677 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7286.89 | Yes | Employed |  | No |  | No |  |
| 837008 | xxxxxx | xxxxxx | 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 | 61702.19 | N/A | Employed |  | No |  | Yes | Present |
| 837029 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 26038.7 | 7.688 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6489.25 | Yes | Employed |  | No |  | No |  |
| 837058 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 837060 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 17185 | 8.27 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 12537.31 | Yes | Employed |  | No |  | No |  |
| 837067 | xxxxxx | xxxxxx | 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 |
| 837068 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12379 | 8.442 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 23193.21 | Yes | Employed | Employed | No | No | No |  |
| 837075 | xxxxxx | xxxxxx | 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 |
| 837094 | xxxxxx | xxxxxx | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | No | N/A |  | 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 |
| 837101 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 7.728 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5842.25 | N/A | Retired | Retired | No | No | No |  |
| 837103 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 837105 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1200 | 8.621 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 3336.45 | N/A | Employed |  | No |  | No |  |
| 837135 | xxxxxx | xxxxxx | 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 |
| 837150 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2715 | 7.799 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 21307.03 | N/A | Employed |  | No |  | No |  |
| 837156 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 6675 | 7.584 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 3384.4 | Yes | Employed |  | No |  | No |  |
| 837189 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 837257 | xxxxxx | xxxxxx | 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 | 12101.04 | Yes | Employed |  | No |  | Yes | Present |
| 837275 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 8619.46 | 8.263 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 11715.9 | Yes | Employed |  | No |  | No |  |
| 837315 | xxxxxx | xxxxxx | 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 |
| 837329 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3930 | 7.352 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 9302.16 | N/A | Employed |  | No |  | No |  |
| 837379 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 18302.71 | 7.704 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7616.66 | Yes | Employed |  | No |  | No |  |
| 837410 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3930 | 7.383 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7233.87 | N/A | Employed |  | No |  | No |  |
| 837417 | xxxxxx | xxxxxx | 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 |
| 837422 | xxxxxx | xxxxxx | 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 | 88803.36 | 7.312 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 181868.84 | Yes | Employed |  | No |  | No |  |
| 837424 | xxxxxx | xxxxxx | 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 |
| 837426 | xxxxxx | xxxxxx | 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 | 11689.81 | Yes | Employed |  | No |  | Yes | Present |
| 837460 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9180 | 7.325 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7877.87 | N/A | Employed |  | No |  | No |  |
| 837462 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 837464 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2715 | 7.987 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 9478.06 | Yes | Employed |  | No |  | No |  |
| 837487 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 19975 | 7.791 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 16242.92 | Yes | Employed |  | No |  | No |  |
| 837515 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | APOR Threshold | No | No | No | No | No | No | No | No | No | No | No | 6940 | 9.313 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 27420.84 | N/A | Employed |  | No |  | No |  |
| 837526 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6724.08 | 8.934 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 18158.78 | Yes | Employed | Not Employed | No | No | No |  |
| 837527 | xxxxxx | xxxxxx | 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 |
| 837535 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11550 | 8.26 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 18908.2 | Yes | Employed |  | No |  | No |  |
| 837552 | xxxxxx | xxxxxx | 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 |
| 837564 | xxxxxx | xxxxxx | 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 | 41814.82 | Yes | Employed |  | Yes |  | Yes | Present |
| 837578 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 3791.21 | 10.43 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 10060.02 | N/A | Employed | Employed | No | No | No |  |
| 837591 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 11370 | 8.344 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6278.21 | Yes | Employed |  | No |  | No |  |
| 837605 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5065 | 7.879 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4178.32 | N/A | Employed | Employed | No | No | No |  |
| 837624 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 837631 | xxxxxx | xxxxxx | 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 |
| 837632 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10090 | 7.749 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7770.14 | Yes | Employed |  | No |  | No |  |
| 837633 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | Yes | No | No | Yes | No | No | No | No | No | 12975 | 8.252 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 24672.64 | N/A | Employed |  | No |  | No |  |
| 837671 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4749 | 8.359 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 25016.55 | N/A | Employed | Employed | No | No | No |  |
| 837673 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | Yes | No | No | No | Yes | No | No | No | No | No | 1640 | 7.543 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 20334.11 | Yes | Employed | Employed | No | No | No |  |
| 837676 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 7.414 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 12623.19 | Yes | Employed | Employed | No | No | No |  |
| 837782 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2590 | 7.431 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 9694.74 | N/A | Employed |  | No |  | No |  |
| 837797 | xxxxxx | xxxxxx | 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 | 59014.78 | N/A | Employed |  | No |  | Yes | Present |
| 837804 | xxxxxx | xxxxxx | 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 |
| 837816 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3085 | 8.256 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7450.85 | Yes | Employed |  | No |  | No |  |
| 837891 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3869 | 7.621 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4759.45 | N/A | Employed |  | No |  | No |  |
| 837911 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 12135 | 9.341 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6711.08 | N/A | Employed |  | No |  | No |  |
| 837914 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 6787 | 8.345 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5507.79 | N/A | Employed |  | No |  | No |  |
| 837920 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11140 | 7.652 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 11215.42 | N/A | Employed |  | No |  | No |  |
| 837924 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 16235 | 9.677 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 18772.89 | N/A | Employed |  | No |  | No |  |
| 837925 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 21611.08 | 7.752 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5589.43 | N/A | Employed |  | No |  | No |  |
| 837926 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 17406.22 | 8.587 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 18515.22 | N/A | Employed |  | No |  | No |  |
| 837927 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 17895 | 7.839 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 17745.52 | N/A | Employed |  | No |  | No |  |
| 837933 | xxxxxx | xxxxxx | 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 |
| 837936 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13347.95 | 7.471 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 18584.76 | Yes | Employed |  | No |  | No |  |
| 837942 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 25741.75 | 8.612 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 52526 | Yes | Employed | Not Employed | No | No | No |  |
| 837986 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 837990 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5557 | 8.105 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6496.79 | Yes | Employed |  | No |  | No |  |
| 837995 | xxxxxx | xxxxxx | 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 |
| 838013 | xxxxxx | xxxxxx | 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 |
| 838019 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3373 | 9.958 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 12254.71 | N/A | Employed | Not Employed | No | No | No |  |
| 838023 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 3480 | 9.15 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4417.98 | N/A | Employed |  | No |  | No |  |
| 838045 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15175 | 7.62 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 86778.96 | Yes | Employed |  | No |  | No |  |
| 838047 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 0 | 7.28 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 19114.16 | N/A | Employed | Not Employed | No | No | No |  |
| 838055 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6175 | 7.821 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 12096.5 | Yes | Not Employed | Not Employed | No | No | No |  |
| 838065 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6920.8 | 7.918 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 28791.36 | Yes | Employed |  | No |  | No |  |
| 838068 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 1640 | 10.01 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 3028.99 | Yes | Employed | Retired | No | No | No |  |
| 838078 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3675 | 7.188 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 21908.83 | Yes | Employed |  | No |  | No |  |
| 838095 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 13588.75 | 10.024 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 19446.81 | Yes | Employed |  | No |  | No |  |
| 838105 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 42750 | 7.638 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 47773.39 | Yes | Employed |  | No |  | No |  |
| 838113 | xxxxxx | xxxxxx | 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 | 16261.5 | 8.201 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6915.93 | Yes | Employed |  | No |  | No |  |
| 838115 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11748 | 7.429 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 13491.07 | Yes | Employed |  | No |  | No |  |
| 838116 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | No | No | No | No | No | No | No | No | No | 8902.13 | 9.211 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 12962.44 | Yes | Employed |  | No |  | No |  |
| 838121 | xxxxxx | xxxxxx | 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 |
| 838124 | xxxxxx | xxxxxx | 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 | 25550.05 | Yes | Employed |  | No |  | Yes | Present |
| 838127 | xxxxxx | xxxxxx | 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 |
| 838134 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | Yes | No | No | No | Yes | No | No | No | No | No | 4821.69 | 7.533 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 53497.07 | N/A | Employed | Employed | No | No | No |  |
| 838155 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 10560 | 9.9 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 21828.86 | N/A | Employed | Not Employed | No | No | No |  |
| 838165 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1400 | 6.978 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 8305.76 | N/A | Employed |  | No |  | No |  |
| 838168 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8249.86 | 7.814 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6265.48 | Yes | Employed | Employed | No | No | No |  |
| 838180 | xxxxxx | xxxxxx | 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 |
| 838186 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5550 | 7.781 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 9092.83 | N/A | Employed |  | No |  | No |  |
| 838188 | xxxxxx | xxxxxx | 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 |
| 838215 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9886.98 | 8.131 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 76243.27 | Yes | Employed |  | No |  | No |  |
| 838217 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 8817.5 | 10.138 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 24255.76 | Yes | Employed |  | No |  | No |  |
| 838223 | xxxxxx | xxxxxx | 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 | 70926.59 | Yes | Employed |  | No |  | Yes | Present |
| 838235 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5238.75 | 7.398 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 15514.81 | Yes | Employed |  | No |  | No |  |
| 838241 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 2390 | 8.54 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 2663.86 | N/A | Employed |  | No |  | No |  |
| 838242 | xxxxxx | xxxxxx | 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 | 29487.12 | N/A | Employed |  | No |  | Yes | Present |
| 838244 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 35083.76 | 8.692 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 48409.79 | N/A | Employed |  | No |  | No |  |
| 838247 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2420 | 7.646 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 73388.8 | N/A | Employed |  | No |  | No |  |
| 838279 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 1640 | 9.922 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 20507.54 | N/A | Employed | Employed | No | No | No |  |
| 838304 | xxxxxx | xxxxxx | 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 | 9534.2 | N/A | Employed |  | No |  | Yes | Present |
| 838316 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4595 | 10.013 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 25590.43 | N/A | Employed |  | No |  | No |  |
| 838337 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9212.5 | 8.204 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 13837.07 | Yes | Employed | Not Employed | No | No | No |  |
| 838355 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9271.25 | 7.167 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 9189.11 | N/A | Employed |  | No |  | No |  |
| 838362 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8680 | 7.972 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 22217.82 | Yes | Employed |  | No |  | No |  |
| 838406 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 16318.43 | 7.697 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 15601.23 | Yes | Employed |  | No |  | No |  |
| 838416 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8823 | 7.402 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 15083.4 | N/A | Not Employed |  | No |  | No |  |
| 838418 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 16375 | 8.501 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 18046.09 | Yes | Employed |  | No |  | No |  |
| 838439 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 14139 | 8.144 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 19015.38 | Yes | Employed |  | No |  | No |  |
| 838440 | xxxxxx | xxxxxx | 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 | 32579.78 | Yes | Employed |  | No |  | Yes | Present |
| 838475 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Loan Term Exceeds 30 Years | No | Yes | Yes | No | No | No | No | No | No | No | No | 1495 | 8.602 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5819.96 | N/A | Employed |  | No |  | No |  |
| 838477 | xxxxxx | xxxxxx | 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 | 21559 | N/A | Employed |  | No |  | Yes | Present |
| 838478 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 16986.25 | 9.844 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 16325.15 | N/A | Employed |  | No |  | No |  |
| 838495 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11208 | 7.317 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 10030.07 | Yes | Employed |  | No |  | No |  |
| 838513 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12176 | 7.718 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 13365.25 | Yes | Employed |  | No |  | No |  |
| 838522 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1570 | 7.798 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 10136.6 | Yes | Employed |  | No |  | No |  |
| 838528 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13250 | 7.984 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 18713.16 | Yes | Employed |  | No |  | No |  |
| 838564 | xxxxxx | xxxxxx | 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 |
| 838565 | xxxxxx | xxxxxx | 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 | 367834.14 | N/A | Employed |  | No |  | Yes | Present |
| 838571 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3671 | 7.595 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7784.81 | Yes | Employed |  | No |  | No |  |
| 838573 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4175 | 7.512 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4060.87 | Yes | Retired |  | No |  | No |  |
| 838592 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 12795.04 | 9.074 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 12507.26 | N/A | Employed |  | No |  | No |  |
| 838602 | xxxxxx | xxxxxx | 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 |
| 838619 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8330 | 7.438 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6126.61 | N/A | Employed |  | No |  | No |  |
| 838620 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 5811.25 | 7.895 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4690.2 | Yes | Employed |  | No |  | No |  |
| 838621 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 8365 | 8.042 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6668.59 | N/A | Employed |  | No |  | No |  |
| 838622 | xxxxxx | xxxxxx | 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 | 32748 | N/A | Employed |  | No |  | Yes | Present |
| 838640 | xxxxxx | xxxxxx | 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 |
| 838650 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | No | No | No | No | No | No | No | No | No | 29565 | 9.26 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 53391.38 | N/A | Employed |  | No |  | No |  |
| 838659 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 20441.94 | 7.313 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 34264.38 | Yes | Employed |  | No |  | No |  |
| 838674 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 7210 | 8.88 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6863.67 | Yes | Employed |  | No |  | No |  |
| 838686 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 6323 | 8.681 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 13564.57 | Yes | Employed |  | No |  | No |  |
| 838723 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | Interest Only | No | No | No | No | No | No | No | No | No | No | No | 11739.8 | 8.011 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 8341.78 | Yes | Employed |  | No |  | No |  |
| 838732 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2185 | 7.555 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 9275.48 | Yes | Not Employed |  | No |  | No |  |
| 838738 | xxxxxx | xxxxxx | 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 | 27713.97 | Yes | Employed | Employed | No | No | Yes | Present |
| 838743 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4600 | 8.373 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 19614.52 | Yes | Employed |  | No |  | No |  |
| 838759 | xxxxxx | xxxxxx | 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 | 9648 | 8.149 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4051.69 | N/A | Employed |  | No |  | No |  |
| 838803 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1715 | 7.659 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 18308.97 | N/A | Employed |  | No |  | No |  |
| 838826 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 5170 | 10.82 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 22388.46 | Yes | Employed |  | No |  | No |  |
| 838827 | xxxxxx | xxxxxx | 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 |
| 838936 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8370 | 8.003 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5941.59 | N/A | Employed |  | No |  | No |  |
| 838946 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 17415 | 8.184 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 10608.69 | Yes | Employed | Employed | No | No | No |  |
| 838954 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2480 | 7.446 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 9950.89 | Yes | Employed | Employed | No | No | No |  |
| 838957 | xxxxxx | xxxxxx | 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 | 10021.76 | N/A | Employed |  | No |  | Yes | Present |
| 839355 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5550 | 7.689 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 8773.74 | Yes | Employed |  | No |  | No |  |
| 839361 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1895 | 7.989 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 12209.98 | Yes | Employed | Employed | No | No | No |  |
| 839388 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12250 | 7.282 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 48749.82 | N/A | Employed |  | No |  | No |  |
| 839389 | xxxxxx | xxxxxx | 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 |
| 839390 | xxxxxx | xxxxxx | 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 | No | Yes | Present |
| 839437 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5550 | 7.688 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 10752.05 | Yes | Employed |  | No |  | No |  |
| 839456 | xxxxxx | xxxxxx | 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 |
| 839475 | xxxxxx | xxxxxx | 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 | 15664.46 | Yes | Employed |  | No |  | Yes | Present |
| 839526 | xxxxxx | xxxxxx | 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 | 70926.59 | Yes | Employed |  | No |  | Yes | Present |
| 839527 | xxxxxx | xxxxxx | 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 | 7340 | 9.091 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 18795.92 | N/A | Employed | Employed | No | No | No |  |
| 839558 | xxxxxx | xxxxxx | 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 | 12997.78 | Yes | Employed |  | No |  | Yes | Present |
| 839576 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 16133.65 | 9.004 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 14597.32 | Yes | Employed |  | No |  | No |  |
| 839577 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3495 | 8.282 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 10083.54 | Yes | Not Employed | Employed | No | No | No |  |
| 839586 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 8275 | 7.812 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5903.18 | N/A | Employed |  | No |  | No |  |
| 839588 | xxxxxx | xxxxxx | 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 | 53965.08 | N/A | Employed |  | No |  | Yes | Present |
| 839628 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11188 | 7.752 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 9792.34 | N/A | Employed |  | No |  | No |  |
| 839690 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 12429.35 | 8.053 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5886.31 | Yes | Employed |  | No |  | No |  |
| 839692 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 41939.98 | 7.977 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 27270.55 | Yes | Employed |  | No |  | No |  |
| 839748 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6380 | 7.524 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 16112.26 | N/A | Employed |  | No |  | No |  |
| 839763 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1550 | 8.211 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6626.07 | Yes | Employed |  | No |  | No |  |
| 839775 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3930 | 7.487 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7735.22 | N/A | Employed |  | No |  | No |  |
| 839813 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1790 | 8.645 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 10045.97 | N/A | Employed | Not Employed | No | No | No |  |
| 839819 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13861.59 | 7.451 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7825.21 | Yes | Not Employed |  | No |  | No |  |
| 839832 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7548 | 7.139 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 45172.11 | Yes | Employed |  | No |  | No |  |
| 839840 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11548 | 7.403 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 14933.09 | N/A | Employed |  | No |  | No |  |
| 839872 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 9780.46 | 7.786 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5438.42 | N/A | Employed |  | No |  | No |  |
| 839873 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 20630.63 | 8.686 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 12552.49 | N/A | Employed |  | No |  | No |  |
| 839874 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5810 | 7.574 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5140.46 | Yes | Employed |  | No |  | No |  |
| 839877 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 19733.38 | 8.621 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 37602.33 | N/A | Employed |  | No |  | No |  |
| 839894 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11465 | 7.65 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 20219.21 | N/A | Employed |  | No |  | No |  |
| 839897 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 19267.19 | 8.751 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 47731.72 | N/A | Employed |  | No |  | No |  |
| 839950 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7732.22 | 7.375 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 24949.71 | Yes | Not Employed |  | No |  | No |  |
| 840003 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 27575 | 7.434 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 18515.21 | Yes | Employed | Employed | No | No | No |  |
| 840264 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | 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 | 4170.83 | N/A | Employed |  | No |  | Yes | Present |
| 840404 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2565 | 7.76 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 9591.25 | Yes | Employed |  | No |  | No |  |
| 840464 | xxxxxx | xxxxxx | 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 |
| 840465 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9223.4 | 7.507 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 11463.95 | N/A | Employed |  | No |  | No |  |
| 840471 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 29425 | 8.133 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 30537.06 | N/A | Employed |  | No |  | No |  |
| 840472 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 20460 | 8.087 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 21221.5 | Yes | Employed |  | No |  | No |  |
| 840479 | xxxxxx | xxxxxx | 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 |  |  |  |  | Yes | Yes | Yes | Present |
| 840480 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 12725 | 8.882 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 11190.32 | Yes | Employed |  | No |  | No |  |
| 840481 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 15186.68 | 9.709 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 8433.04 | N/A | Employed |  | No |  | No |  |
| 840482 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 22925 | 8.99 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 15798.3 | N/A | Employed |  | No |  | No |  |
| 840484 | xxxxxx | xxxxxx | 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 |
| 840485 | xxxxxx | xxxxxx | 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 |
| 840489 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | Yes | No | No | No | Yes | 53650 | 7.615 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 34036.32 | Yes | Employed |  | No |  | No |  |
| 840490 | xxxxxx | xxxxxx | 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 | Yes | No | No | No | Yes | 48823.75 | 7.618 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 34517.27 | Yes | Employed |  | No |  | No |  |
| 840492 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 168214.52 | Yes | Employed |  | No |  | Yes | Present |
| 840496 | xxxxxx | xxxxxx | 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 |
| 840497 | xxxxxx | xxxxxx | 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 |
| 840498 | xxxxxx | xxxxxx | 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 | 68636.13 | Yes | Employed |  | No |  | Yes | Present |
| 840499 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 14639.8 | 7.841 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 10927.67 | Yes | Employed |  | No |  | No |  |
| 840506 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No | QM Points and Fees Exceeded | No | Yes | Yes | No | No | No | No | No | No | No | No | 9155 | 8.676 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7430.22 | Yes | Employed |  | No |  | No |  |
| 840509 | xxxxxx | xxxxxx | 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 |
| 840511 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 17275 | 8.733 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 13040.13 | N/A | Employed |  | No |  | No |  |
| 840514 | xxxxxx | xxxxxx | 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 | 37069.1 | Yes | Employed |  | No |  | Yes | Present |
| 840515 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | No | No | No | No | No | No | No | No | No | 12115 | 8.104 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 19937.41 | N/A | Employed |  | No |  | No |  |
| 840516 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | 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 | 7470.41 | Yes | Not Employed |  | No |  | Yes | Present |
| 840517 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 17641 | 8.36 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6631.77 | Yes | Employed |  | No |  | No |  |
| 840518 | xxxxxx | xxxxxx | 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 | 21448.51 | N/A | Employed |  | No |  | Yes | Present |
| 840519 | xxxxxx | xxxxxx | 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 |
| 840520 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7688.2 | 7.633 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5880.06 | Yes | Employed |  | No |  | No |  |
| 840521 | xxxxxx | xxxxxx | 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 |
| 840525 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8475 | 7.826 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7139.06 | Yes | Employed | Employed | No | No | No |  |
| 840527 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10943 | 8.224 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 22132.97 | N/A | Employed |  | No |  | No |  |
| 840528 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 7075 | 8.768 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7220.45 | Yes | Employed | Not Employed | No | No | No |  |
| 840536 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11315 | 7.887 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6148.52 | N/A | Employed |  | No |  | No |  |
| 840537 | xxxxxx | xxxxxx | 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 |
| 840538 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 33512.5 | 8.043 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 24633.47 | Yes | Employed |  | No |  | No |  |
| 840540 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 12275 | 7.844 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 9243.44 | Yes | Employed |  | No |  | No |  |
| 840541 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 21975 | 10.006 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 24501.88 | Yes | Employed |  | No |  | No |  |
| 840542 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 19675 | 8.025 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 13035.96 | Yes | Employed |  | No |  | No |  |
| 840543 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | 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 | 4433.79 | Yes | Employed |  | No |  | Yes | Present |
| 840544 | xxxxxx | xxxxxx | 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 |  |  |  |  | Yes |  | Yes | Present |
| 840546 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 22097.2 | 7.159 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 27492.7 | N/A | Employed | Not Employed | No | No | No |  |
| 840548 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6942 | 7.665 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 41723.12 | Yes | Employed |  | No |  | No |  |
| 840549 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 41455 | 7.891 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 32710.74 | Yes | Employed |  | No |  | No |  |
| 840551 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 18670 | 7.069 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 150149.44 | Yes | Employed |  | No |  | No |  |
| 840554 | xxxxxx | xxxxxx | 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 | 28292.96 | Yes | Employed |  | No |  | Yes | Present |
| 840555 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 19475 | 9.184 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 19517.43 | Yes | Employed |  | No |  | No |  |
| 840556 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 16265 | 8.828 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 13072.53 | N/A | Employed |  | No |  | No |  |
| 840646 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 8608.75 | 7.789 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4571.57 | N/A | Employed |  | No |  | No |  |
| 840649 | xxxxxx | xxxxxx | 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 | 27127.4 | N/A | Employed |  | No |  | Yes | Present |
| 840654 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8425 | 8.24 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 198850.83 | N/A | Employed |  | No |  | No |  |
| 840973 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12665 | 7.546 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 25536.57 | Yes | Employed |  | No |  | No |  |
| 841037 | xxxxxx | xxxxxx | 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 |
| 841039 | xxxxxx | xxxxxx | 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 | 23202.8 | Yes | Retired | Not Employed | No | No | Yes | Present |

---

## Exhibit 99.20

**EXHIBIT 99.20**

**clarifii valuation report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller 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** |
| 827752 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-23-2024 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 12.61 | 63.46 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-30-2024 |
| 828780 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-06-2024 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 59.6 | 59.6 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-19-2024 |
| 828783 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-06-2024 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-19-2024 |
| 829004 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-30-2024 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 01-02-2025 |
| 829512 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 829752 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 49.0 | 49.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-03-2025 | Eligible | 1 | 02-03-2025 |
| 829875 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 16.85 | 62.7 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-09-2025 |
| 830029 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 02-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 830034 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 02-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 830175 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-01-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 830303 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-26-2025 |
| 830636 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 67.81 | 67.81 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 02-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 830816 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 19.17 | 49.95 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 02-26-2025 | Eligible | 2.3 | 02-26-2025 |
| 830820 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-16-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-13-2025 |
| 830872 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 34.58 | 65.0 | xxxxxx | xxxxxx | .1291 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .1291 | 96.0 | 0.04 | xxxxxx | Other | 02-13-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-17-2025 |
| 830932 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-13-2025 |
| 831245 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-29-2024 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | -.0769 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0769 | xxxxxx | Moderate | 02-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 831521 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-21-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 831536 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-03-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 55.42 | 55.42 | xxxxxx | xxxxxx | .0625 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0625 | xxxxxx | Reasonable | 02-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 831538 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-03-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 54.34 | 54.34 | xxxxxx | xxxxxx | .0669 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0669 | xxxxxx | Reasonable | 02-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 831825 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-11-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 25.0 | 25.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 03-30-2025 |
| 831887 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 831925 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 52.63 | 52.63 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 03-04-2025 |
| 832187 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-17-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 16.0 | 16.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 02-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 832318 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 22.45 | 55.4 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-10-2025 |
| 832338 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 7.7 | 52.72 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 03-04-2025 |
| 832402 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 23.8 | 68.86 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-02-2025 |  |  |  |  |  |  |  |  |  |  | 2 | 03-14-2025 | Eligible | 2.1 | 03-14-2025 |
| 832418 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-21-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 | 02-27-2025 |
| 832468 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-04-2025 | Other |  |  | xxxxxx | 67.0 | 67.0 | xxxxxx | xxxxxx | -.0987 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0987 | xxxxxx | 06-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 832514 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-20-2025 | AVM |  |  | xxxxxx | 22.64 | 67.08 | xxxxxx | xxxxxx | .0752 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0752 | 93.0 | 0.07 | xxxxxx | xxxxxx | 05-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 832536 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-12-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 49.85 | 49.85 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-13-2025 |
| 832618 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 05-19-2025 |
| 832648 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-12-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 03-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 832695 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 04-24-2025 |
| 832720 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-02-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 19.13 | 59.24 | xxxxxx | xxxxxx | .0255 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-02-2025 |
| 832745 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 03-03-2025 |
| 832781 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-27-2024 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-17-2025 |
| 832798 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-25-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 832941 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 46.43 | 46.43 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-01-2025 |
| 832954 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-03-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 04-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 832968 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833059 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 04-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833088 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 03-21-2025 |
| 833113 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 59.88 | 59.88 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 04-25-2025 |
| 833140 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 03-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833167 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-07-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 03-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833168 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-02-2025 | Eligible | 1 | 04-02-2025 |
| 833214 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Reasonable | 04-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833243 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-06-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833255 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 46.43 | 46.43 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833266 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-14-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 | 03-21-2025 |
| 833300 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-16-2024 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | xxxxxx | -.0154 | 1025 Small Residential Income Report |  |  |  |  | xxxxxx | xxxxxx | -.0154 | 01-29-2025 | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833302 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-09-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0281 | 85.0 | 0.15 | xxxxxx | xxxxxx | 02-25-2025 | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 02-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833308 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-31-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 02-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833347 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-13-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 02-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833447 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 12.39 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-17-2025 |
| 833472 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833475 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 58.54 | 58.54 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 04-02-2025 |
| 833520 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 46.2 | 46.2 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 03-25-2025 |
| 833527 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 03-12-2025 |
| 833528 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 24.33 | 50.78 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 03-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-12-2025 |
| 833551 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 57.75 | 57.75 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-25-2025 |
| 833555 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-28-2025 |
| 833563 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 05-29-2025 |
| 833587 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 02-10-2025 |
| 833596 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 04-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833635 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-07-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 03-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 | 03-12-2025 |
| 833689 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 02-28-2025 |
| 833691 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 30.8 | 78.39 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-25-2025 | Eligible | 2.2 | 03-25-2025 |
| 833699 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 41.67 | 41.67 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-09-2025 | Eligible | 1 | 04-09-2025 |
| 833704 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 31.88 | 31.88 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-20-2025 |
| 833731 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-20-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 03-27-2025 |
| 833734 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-28-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 64.9 | 64.9 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833745 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-28-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 29.65 | 29.65 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 04-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833818 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 67.34 | 67.34 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-16-2025 |
| 833850 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-14-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 03-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | 03-20-2025 |
| 833856 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 74.05 | 74.05 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-27-2025 |
| 833859 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 17.88 | 43.09 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 03-26-2025 | Not Eligible | 1 | 03-26-2025 |
| 833943 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 48.81 | 48.81 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833944 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 68.42 | 68.42 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 04-16-2025 |
| 833947 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833948 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 03-21-2025 |
| 833950 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 68.55 | 68.55 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-15-2025 | Eligible | 1.7 | 04-15-2025 |
| 834026 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 23.68 | 23.68 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 04-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 03-28-2025 |
| 834039 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 18.75 | 18.75 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-20-2025 | Eligible | 1.5 | 03-20-2025 |
| 834108 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 29.2 | 66.02 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-24-2025 |
| 834110 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 36.05 | 54.85 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 03-28-2025 |
| 834112 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 48.78 | 48.78 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-15-2025 |
| 834147 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 51.39 | 51.39 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-28-2025 |
| 834154 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | 01-09-2025 |
| 834181 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 16.0 | 43.8 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-09-2025 | Eligible | 1 | 04-09-2025 |
| 834184 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 20.62 | 64.68 | xxxxxx | xxxxxx | -.0324 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0324 | 94.0 | 0.06 | xxxxxx | xxxxxx | 04-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-08-2025 | Eligible |  |  |
| 834206 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 64.18 | 64.18 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 04-22-2025 |
| 834231 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-07-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 03-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 03-27-2025 |
| 834284 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-20-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 03-25-2025 |
| 834291 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834306 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 62.2 | 62.2 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 | 03-17-2025 |
| 834348 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-20-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-27-2025 |
| 834375 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 04-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 03-20-2025 |
| 834383 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 59.5 | 59.5 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-26-2025 | Eligible |  |  |
| 834388 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-17-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 57.14 | 57.14 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834399 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-14-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-21-2025 |
| 834480 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 17.89 | 56.42 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-31-2025 |
| 834511 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 17.26 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 04-09-2025 |
| 834544 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-11-2024 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.88 | 65.88 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-10-2025 |
| 834593 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 03-13-2025 |
| 834610 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-24-2024 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-23-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 09-26-2024 |
| 834644 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 45.35 | 79.42 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 03-11-2025 |
| 834645 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 12.71 | 53.48 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 04-04-2025 |
| 834816 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834865 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-24-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 58.33 | 58.33 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 04-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-27-2025 |
| 834903 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 44.64 | 44.64 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-08-2025 |
| 834914 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 20.0 | 62.56 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-17-2025 |
| 834937 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 27.4 | 73.84 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834943 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.85 | 69.85 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-14-2024 |  |  |  |  |  |  |  |  |  |  | 1 | 04-07-2025 | Eligible |  |  |
| 834978 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-02-2025 | Eligible | 1 | 04-02-2025 |
| 835040 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-01-2025 | Other |  |  | xxxxxx | 58.65 | 58.65 | xxxxxx | 0.0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 03-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835042 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | .0041 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0041 | 02-26-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835055 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-05-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 02-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835059 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-10-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 62.96 | 62.96 | xxxxxx | xxxxxx | -.0964 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0964 | xxxxxx | Moderate | 03-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835067 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-15-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 37.99 | 37.99 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-20-2025 |
| 835077 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-12-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 52.57 | 52.57 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835087 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-15-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 38.38 | 38.38 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-20-2025 | Eligible | 1 | 03-20-2025 |
| 835104 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-04-2025 |
| 835133 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.69 | 69.69 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-18-2025 | Eligible | 1 | 04-18-2025 |
| 835156 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 23.86 | 68.29 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-03-2025 |
| 835163 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-12-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-19-2025 |
| 835192 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-02-2025 |
| 835217 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-29-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 02-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835226 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-27-2025 |
| 835230 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 29.09 | 29.09 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-13-2025 |  |  |  |  |  |  |  |  |  |  | 4.5 | 02-28-2025 | Not Eligible | 1 | 02-28-2025 |
| 835235 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835239 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 66.55 | 66.55 | xxxxxx | xxxxxx | -.0492 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0492 | xxxxxx | Moderate | 03-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 04-22-2025 |
| 835245 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 40.38 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835265 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-03-2025 |
| 835279 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 31.57 | 64.51 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 04-16-2025 |
| 835322 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 59.82 | 59.82 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-15-2025 |
| 835340 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-24-2025 |
| 835341 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 04-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 04-21-2025 |
| 835404 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-13-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 74.93 | 74.93 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835405 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 04-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835406 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-14-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 46.89 | 46.89 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 03-19-2025 |
| 835411 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 04-16-2025 |
| 835417 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-11-2025 | 2055 Exterior Only Inspection Report | xxxxxx | xxxxxx | xxxxxx | 10.73 | 32.52 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835420 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-03-2025 | AVM |  |  | xxxxxx | 40.33 | 61.82 | xxxxxx | xxxxxx | -.0138 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0138 | 95.0 | 0.05 | xxxxxx | Other | 05-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835424 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 04-25-2025 |
| 835425 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 18.69 | 79.76 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835443 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.24 | 60.24 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835445 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | xxxxxx | .0267 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0267 | 03-18-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | 03-19-2025 |
| 835452 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-01-2025 |
| 835458 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-03-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-18-2025 | Eligible | 1 | 04-18-2025 |
| 835462 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-26-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 20.28 | 64.9 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-30-2025 |
| 835463 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 12.32 | 64.13 | xxxxxx | xxxxxx | .0283 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0283 | 95.0 | 0.05 | xxxxxx | xxxxxx | 04-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-15-2025 |
| 835465 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 72.22 | 72.22 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-24-2025 |
| 835481 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-03-2025 | 1075 Exterior Only Inspection Condo Report | xxxxxx | xxxxxx | xxxxxx | 21.51 | 54.8 | xxxxxx | xxxxxx | -.0173 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0173 | 96.0 | 0.04 | xxxxxx | xxxxxx | 05-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835488 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 50.56 | 50.56 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-08-2025 |
| 835504 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-11-2025 |
| 835512 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 25.71 | 70.54 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 04-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 04-02-2025 |
| 835614 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-23-2025 |
| 835631 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 04-16-2025 |
| 835634 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 34.45 | 74.04 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-18-2025 |
| 835653 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 28.28 | 56.06 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 04-02-2025 |
| 835657 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-04-2025 | AVM |  |  | xxxxxx | 28.59 | 63.08 | xxxxxx | xxxxxx | -.0216 | 2055 Exterior Only Inspection Report |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | 91 | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0216 |  | 05-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835667 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 06-18-2025 |
| 835671 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-28-2025 |
| 835678 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 39.61 | 39.61 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-09-2025 |
| 835701 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 68.99 | 68.99 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-24-2025 |  |  |  |  |  |  |  |  |  |  | 1 | 04-15-2025 | Eligible |  |  |
| 835709 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 03-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 03-26-2025 |
| 835742 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-09-2025 |
| 835744 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 28.63 | 67.91 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 04-09-2025 |
| 835753 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-10-2025 | Other |  |  | xxxxxx | 65.0 | 65.0 | xxxxxx | xxxxxx | -.1741 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.1741 | xxxxxx | 04-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835754 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-07-2025 | AVM |  |  | xxxxxx | 16.08 | 55.38 | xxxxxx | xxxxxx | -.0320 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0320 | 96.0 | 0.04 | xxxxxx | Other | 04-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835758 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 28.24 | 73.52 | xxxxxx | xxxxxx | -.0341 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0341 | xxxxxx | Moderate | 04-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-04-2025 |
| 835777 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 56.18 | 56.18 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 04-30-2025 |
| 835779 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-21-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-29-2025 | Eligible | 1 | 04-29-2025 |
| 835830 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-31-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 04-14-2025 |
| 835833 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 04-18-2025 |
| 835848 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-03-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 22.94 | 48.75 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835863 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 39.22 | 39.22 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-15-2025 | Eligible |  |  |
| 835922 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-02-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 18.4 | 74.42 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835925 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 68.97 | 68.97 | xxxxxx | xxxxxx | -.1284 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.1284 | xxxxxx | High | 04-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835958 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 61.46 | 61.46 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 04-07-2025 |
| 835964 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835983 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 43.23 | 64.99 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-02-2025 | Eligible | 2.6 | 04-02-2025 |
| 835988 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 59.52 | 59.52 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 04-09-2025 |
| 835993 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-27-2025 | AVM |  |  | xxxxxx | 30.56 | 69.69 | xxxxxx | xxxxxx | .0416 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0416 | 90.0 | 0.1 | xxxxxx | xxxxxx | 03-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836029 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-09-2025 |
| 836072 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-08-2025 |
| 836100 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 37.31 | 37.31 | xxxxxx | xxxxxx | -.0423 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0423 | xxxxxx | Moderate | 04-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836124 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-10-2025 |
| 836127 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-11-2025 | Eligible | 1 | 04-11-2025 |
| 836145 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.52 | 65.52 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-02-2025 | Eligible | 1.7 | 04-02-2025 |
| 836153 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 15.21 | 61.86 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-07-2025 |
| 836203 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 24.56 | 66.28 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 04-10-2025 |
| 836210 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-04-2025 |
| 836213 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 51.7 | 51.7 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836216 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 19.89 | 53.98 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-02-2025 |
| 836219 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 34.53 | 34.53 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-10-2025 | Eligible | 1.6 | 04-10-2025 |
| 836220 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 01-28-2025 | Eligible | 4.1 | 04-22-2025 |
| 836237 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 36.67 | 36.67 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-02-2025 |
| 836277 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 18.67 | 48.71 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-22-2025 |
| 836281 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | -.0962 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0962 | 94.0 | 0.06 | xxxxxx | xxxxxx | 05-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836286 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | .0117 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0117 | 04-21-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-22-2025 | Eligible |  |  |
| 836314 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 03-27-2025 |
| 836315 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 05-06-2025 |
| 836316 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836330 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 32.68 | 79.13 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-11-2025 |
| 836348 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 19.68 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 04-24-2025 |
| 836350 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-15-2025 |
| 836353 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 05-05-2025 |
| 836356 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 28.07 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 05-05-2025 |
| 836367 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 24.41 | 79.99 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.1170 | 93.0 | 0.07 | xxxxxx | xxxxxx | 04-17-2025 | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836372 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 7.29 | 20.68 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0314 | 92.0 | 0.08 | xxxxxx | xxxxxx | 04-21-2025 | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836391 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 04-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836426 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-20-2025 |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-28-2025 | Eligible | 1.6 | 04-28-2025 |
| 836458 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-21-2025 | Eligible | 1 | 04-21-2025 |
| 836559 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 9.3 | 64.65 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 04-30-2025 |
| 836581 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836586 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 17.25 | 57.34 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 04-28-2025 |
| 836592 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-16-2025 | Eligible | 1 | 04-16-2025 |
| 836595 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-28-2025 | Eligible |  |  |
| 836605 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836618 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 32.84 | 79.7 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-24-2025 | Eligible | 1.4 | 04-24-2025 |
| 836632 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 04-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 04-23-2025 |
| 836643 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-14-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836666 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 29.23 | 63.36 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-17-2025 | Eligible |  |  |
| 836672 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 04-09-2025 |
| 836677 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.84 | 69.84 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-03-2025 | Eligible | 1.5 | 03-03-2025 |
| 836682 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 63.79 | 63.79 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836765 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-30-2025 | Eligible | 1 | 04-30-2025 |
| 836772 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 21.28 | 69.36 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 04-23-2025 |
| 836811 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-28-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 51.28 | 51.28 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-05-2025 |
| 836813 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-15-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836851 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 10.22 | 79.67 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 02-21-2025 |
| 836854 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-26-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 69.63 | 69.63 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836855 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 23.18 | 49.68 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-29-2025 |
| 836879 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 05-07-2025 |
| 836880 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 54.95 | 54.95 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 04-18-2025 | Not Eligible | 1 | 04-18-2025 |
| 836912 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836933 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-09-2025 | Eligible | 2 | 04-10-2025 |
| 836945 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 59.17 | 59.17 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-15-2025 |
| 836978 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-02-2025 | Other |  |  | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | .0400 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0400 | xxxxxx | 04-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836986 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-16-2025 | Eligible | 1.2 | 04-16-2025 |
| 837007 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-29-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-01-2025 | Eligible |  |  |
| 837008 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 05-01-2025 |
| 837029 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-08-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 55.83 | 55.83 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837058 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-28-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 03-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837060 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-10-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 04-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837067 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-18-2024 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 64.0 | 64.0 | xxxxxx | xxxxxx | .0139 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0139 | xxxxxx | Moderate | 12-19-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837068 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 35.66 | 75.85 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-31-2025 |
| 837075 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837094 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 36.96 | 36.96 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-01-2025 | Eligible |  |  |
| 837101 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 05-12-2025 | Not Eligible | 2.5 | 05-12-2025 |
| 837103 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 64.0 | 64.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 03-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837105 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 15.74 | 51.08 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-23-2025 | Eligible | 2.4 | 05-23-2025 |
| 837135 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-29-2025 | Eligible | 1 | 04-29-2025 |
| 837150 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 79.95 | 79.95 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-29-2025 |
| 837156 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 37.74 | 37.74 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 03-26-2025 |
| 837189 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837257 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 74.83 | 74.83 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-17-2025 |
| 837275 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 74.15 | 74.15 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-09-2025 |
| 837315 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 04-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 04-23-2025 |
| 837329 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 67.01 | 67.01 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-09-2025 |
| 837379 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 51.16 | 51.16 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837410 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 52.63 | 52.63 | xxxxxx | xxxxxx | .0824 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0824 | 91.0 | 0.09 | xxxxxx | xxxxxx | 05-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-13-2025 |
| 837417 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837422 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-23-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 78.15 | 78.15 | xxxxxx | 0.0 | .0000 | 1025 Small Residential Income Report |  |  |  |  | xxxxxx | xxxxxx | .0000 | 04-25-2025 | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837424 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-06-2025 |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-22-2025 | Eligible |  |  |
| 837426 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 05-12-2025 |
| 837460 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 66.67 | 66.67 | xxxxxx | xxxxxx | .0220 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0220 | 96.0 | 0.04 | xxxxxx | xxxxxx | 05-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-08-2025 | Eligible |  |  |
| 837462 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837464 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-17-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-02-2025 |
| 837487 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-24-2025 |
| 837515 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 13.33 | 59.85 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837526 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 04-29-2025 |
| 837527 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 05-19-2025 |
| 837535 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-11-2025 |
| 837552 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-17-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | xxxxxx | -.0102 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-02-2025 |
| 837564 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 05-06-2025 |
| 837578 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 23.72 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-30-2025 |
| 837591 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-25-2025 |
| 837605 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 23.36 | 50.16 | xxxxxx | xxxxxx | .0157 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0157 | 92.0 | 0.08 | xxxxxx | xxxxxx | 05-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-29-2025 | Eligible |  |  |
| 837624 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 04-21-2025 |
| 837631 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837632 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-09-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-14-2025 |
| 837633 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 04-22-2025 |
| 837671 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-29-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 15.15 | 54.58 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837673 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 71.08 | 71.08 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-14-2025 | Eligible |  |  |
| 837676 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 05-13-2025 |
| 837782 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-05-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-07-2025 |
| 837797 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 05-15-2025 |
| 837804 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-13-2025 | Eligible | 1 | 05-13-2025 |
| 837816 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-17-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-21-2025 |
| 837891 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 54.57 | 54.57 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 05-09-2025 | Not Eligible | 1.2 | 05-09-2025 |
| 837911 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 04-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-22-2025 |
| 837914 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0278 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0278 | xxxxxx | Moderate | 04-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-14-2025 |
| 837920 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 04-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 04-24-2025 | Not Eligible |  |  |
| 837924 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 04-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-25-2025 |
| 837925 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 04-18-2025 |
| 837926 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-25-2025 |
| 837927 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-25-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 76.92 | 76.92 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-29-2025 |
| 837933 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | .0105 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0105 | xxxxxx | Moderate | 05-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-14-2025 | Eligible |  |  |
| 837936 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-08-2025 |
| 837942 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 05-20-2025 | Eligible | 1 | 05-20-2025 |
| 837986 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 04-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837990 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-13-2025 | Eligible |  |  |
| 837995 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 05-15-2025 | Not Eligible |  |  |
| 838013 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-12-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838019 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 24.98 | 74.9 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-13-2025 |
| 838023 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-22-2025 |  |  |  |  |  |  |  |  |  |  | 2 | 05-22-2025 | Eligible | 1 | 05-22-2025 |
| 838045 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-06-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 39.66 | 39.66 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 05-19-2025 |
| 838047 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-31-2025 |  |  |  |  |  |  |  |  |  |  | 1 | 05-06-2025 | Eligible | 1 | 05-06-2025 |
| 838055 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-21-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-23-2025 |
| 838065 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-19-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-20-2025 |
| 838068 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 05-06-2025 | Not Eligible | 1 | 05-06-2025 |
| 838078 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 38.46 | 38.46 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-15-2025 |
| 838095 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-16-2025 | Eligible | 1.5 | 05-16-2025 |
| 838105 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0000 | 05-14-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | 05-13-2025 |
| 838113 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 62.07 | 62.07 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-20-2025 |
| 838115 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-12-2025 | Eligible | 1.4 | 05-12-2025 |
| 838116 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-07-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-09-2025 |
| 838121 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-07-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838124 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-20-2025 |
| 838127 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-03-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-07-2025 |
| 838134 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 05-23-2025 |
| 838155 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-17-2025 | Eligible | 1 | 04-17-2025 |
| 838165 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 40.54 | 40.54 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-21-2025 | Eligible | 1 | 05-21-2025 |
| 838168 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-20-2025 |
| 838180 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-26-2025 |
| 838186 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 05-09-2025 | Eligible | 1.3 | 05-09-2025 |
| 838188 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-15-2025 |
| 838215 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 05-27-2025 |
| 838217 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 05-11-2025 | Not Eligible | 1.6 | 05-11-2025 |
| 838223 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-02-2025 |
| 838235 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-20-2025 | Eligible | 1 | 05-20-2025 |
| 838241 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-06-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 23.08 | 23.08 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 04-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-16-2025 |
| 838242 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838244 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 89.99 | 89.99 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-01-2025 | Eligible |  |  |
| 838247 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | .0294 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0294 | 05-28-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-29-2025 |
| 838279 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-25-2025 | Eligible | 1.1 | 04-29-2025 |
| 838304 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 06-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838316 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 25.0 | 78.5 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 04-22-2025 |
| 838337 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-07-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 23.93 | 23.93 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-22-2025 | Eligible | 1 | 05-22-2025 |
| 838355 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-07-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-09-2025 |
| 838362 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 77.68 | 77.68 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 05-25-2025 |
| 838406 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-21-2025 | Eligible |  |  |
| 838416 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-22-2025 | Eligible | 1 | 05-22-2025 |
| 838418 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 03-24-2025 |
| 838439 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-19-2025 |
| 838440 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-29-2025 | Eligible |  |  |
| 838475 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-13-2025 |
| 838477 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-29-2025 |
| 838478 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-23-2025 | Eligible |  |  |
| 838495 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-22-2025 |
| 838513 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-21-2025 | Eligible | 1 | 05-21-2025 |
| 838522 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838528 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 05-07-2025 | Not Eligible | 1.4 | 05-07-2025 |
| 838564 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-03-2025 |
| 838565 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 77.6 | 77.6 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-21-2025 | Eligible | 1 | 05-21-2025 |
| 838571 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-10-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 05-12-2025 |
| 838573 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-21-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 37.14 | 37.14 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838592 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 05-23-2025 | Eligible | 1 | 05-23-2025 |
| 838602 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-19-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838619 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 59.64 | 59.64 | xxxxxx | xxxxxx | .0749 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0749 | 93.0 | 0.07 | xxxxxx | xxxxxx | 05-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-29-2025 | Eligible |  |  |
| 838620 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 24.22 | 24.22 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-23-2025 | Eligible |  |  |
| 838621 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-27-2025 | Eligible |  |  |
| 838622 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-27-2025 |
| 838640 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-13-2025 | Eligible | 2.4 | 05-13-2025 |
| 838650 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838659 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 04-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 04-28-2025 |
| 838674 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 28.41 | 69.22 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-23-2025 |
| 838686 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-20-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-09-2025 |
| 838723 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-04-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 64.24 | 64.24 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838732 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 51.76 | 51.76 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-01-2025 | Eligible | 1.5 | 06-01-2025 |
| 838738 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-21-2025 |
| 838743 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838759 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-15-2025 |
| 838803 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-19-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 05-21-2025 |
| 838826 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 25.23 | 79.95 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838827 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-27-2025 | Eligible |  |  |
| 838936 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 25.16 | 25.16 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-07-2025 | Eligible | 1 | 05-07-2025 |
| 838946 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-15-2025 |
| 838954 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 06-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838957 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-20-2025 |
| 839355 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 71.15 | 71.15 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839361 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-08-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 71.39 | 71.39 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-12-2025 | Eligible | 1 | 05-12-2025 |
| 839388 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 06-10-2025 |
| 839389 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 06-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839390 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  |  |  |  | xxxxxx | 65.0 | 65.0 | xxxxxx | xxxxxx | -.0059 | MP |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | MP | MP | MP | xxxxxx | MP | MP |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839437 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 58.33 | 58.33 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-03-2025 | Eligible | 1 | 06-03-2025 |
| 839456 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-16-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839475 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 05-01-2025 | Not Eligible | 1 | 05-01-2025 |
| 839526 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-27-2025 | Eligible |  |  |
| 839527 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 25.83 | 79.89 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 05-28-2025 |
| 839558 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-04-2025 | Eligible | 1 | 06-04-2025 |
| 839576 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 05-27-2025 |
| 839577 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-21-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | 05-27-2025 |
| 839586 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 05-08-2025 |
| 839588 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 04-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-09-2025 |
| 839628 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 06-06-2025 | Eligible | 1 | 06-06-2025 |
| 839690 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 79.3 | 79.3 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 05-05-2025 |
| 839692 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 66.67 | 66.67 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839748 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-12-2025 |
| 839763 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-02-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-05-2025 | Eligible | 1.1 | 05-05-2025 |
| 839775 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 67.74 | 67.74 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-06-2025 |
| 839813 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-21-2025 | Eligible | 1 | 05-21-2025 |
| 839819 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839832 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-30-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 30.38 | 30.38 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-02-2025 | Eligible | 1 | 06-02-2025 |
| 839840 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-04-2025 | Eligible | 1 | 06-04-2025 |
| 839872 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-27-2025 |
| 839873 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-18-2025 |
| 839874 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-21-2025 |
| 839877 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-19-2025 |
| 839894 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 74.96 | 74.96 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-08-2025 |
| 839897 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 05-19-2025 |
| 839950 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-14-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | 05-21-2025 |
| 840003 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 79.28 | 79.28 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 05-16-2025 |
| 840264 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-27-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840404 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-22-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-05-2025 |
| 840464 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-20-2025 |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-30-2025 | Eligible |  |  |
| 840465 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-30-2025 |
| 840471 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | .0059 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0059 | 05-10-2025 | 1004 URAR | xxxxxx | xxxxxx | -.2958 | 89.0 | 0.11 | xxxxxx | xxxxxx | 05-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840472 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 64.95 | 64.95 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 04-17-2025 |
| 840479 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 04-22-2025 |
| 840480 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-19-2025 |
| 840481 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-14-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-15-2025 |
| 840482 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 | 05-05-2025 |
| 840484 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0158 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | -.0158 | 05-06-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 05-08-2025 |
| 840485 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.71 | 69.71 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-02-2025 | Eligible | 1.2 | 05-02-2025 |
| 840489 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-03-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840490 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-03-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840492 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840496 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 52.65 | 52.65 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-15-2025 | Eligible | 2.2 | 05-15-2025 |
| 840497 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-05-2025 |
| 840498 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-05-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | 1073 Individual Condo Report |  |  |  |  | xxxxxx | xxxxxx | .0000 | 06-02-2025 | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 06-03-2025 |
| 840499 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-09-2025 | Eligible | 1 | 05-09-2025 |
| 840506 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0036 | 89.0 | 0.11 | xxxxxx | xxxxxx | 05-13-2025 | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840509 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-15-2025 | Eligible | 1.3 | 05-15-2025 |
| 840511 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-22-2025 | Eligible |  |  |
| 840514 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 06-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 06-06-2025 |
| 840515 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-14-2025 | Eligible |  |  |
| 840516 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.23 | 69.23 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840517 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-22-2025 | Eligible | 1.2 | 05-22-2025 |
| 840518 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 05-14-2025 | Eligible | 1.5 | 05-14-2025 |
| 840519 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-15-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-31-2025 | Eligible | 1 | 05-31-2025 |
| 840520 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-24-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 38.25 | 38.25 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 05-26-2025 |
| 840521 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 73.87 | 73.87 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-14-2025 |
| 840525 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 05-22-2025 |
| 840527 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-17-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 06-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840528 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-28-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-29-2025 |
| 840536 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-22-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840537 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 55.38 | 55.38 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-23-2025 | Eligible | 1 | 05-23-2025 |
| 840538 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 55.0 | 55.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 05-29-2025 |
| 840540 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-02-2025 | Eligible | 1.3 | 06-02-2025 |
| 840541 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-21-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-27-2025 | Eligible | 1.5 | 05-27-2025 |
| 840542 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-30-2025 | Eligible |  |  |
| 840543 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 29.41 | 29.41 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-25-2025 | Eligible | 2.3 | 05-25-2025 |
| 840544 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-23-2025 |
| 840546 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-27-2025 | Eligible | 2.5 | 05-27-2025 |
| 840548 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 05-27-2025 |
| 840549 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 74.04 | 74.04 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-28-2025 | Eligible |  |  |
| 840551 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-28-2025 | Eligible | 1 | 05-28-2025 |
| 840554 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840555 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-02-2025 | Eligible | 1 | 06-03-2025 |
| 840556 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 06-03-2026 |
| 840646 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 06-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 06-03-2025 |
| 840649 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-23-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840654 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 79.94 | 79.94 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-27-2025 |
| 840973 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 06-17-2025 |
| 841037 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-09-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841039 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-19-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 05-22-2025 |

---

## Exhibit 99.21

**EXHIBIT 99.21**

**CLARIFII RATING AGENCY MULTI PROPERTY VALUATION**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Property ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Primary Appraised Value** | **Value for LTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Primary Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Total Adjusted Prior Purchase Price** | **Completion Report (1004D) Date** |
| 839390 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 05-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839390 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 05-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839390 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | -.0411 |  |  |  | 05-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0411 | xxxxxx | Low | 05-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839390 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 05-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839390 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 05-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839390 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 05-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839390 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 05-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.22

**EXHIBIT 99.22**

**SELENE diligence llc ("selene") due diligence review narrative**

![](tm2521783d1_ex99-22img001.jpg)

**Selene Diligence LLC ("Selene") Due Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

&nbsp;&nbsp;&nbsp;&nbsp;**(1) Type of assets that were reviewed.**

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by VMC Asset Pooler, LLC ("Client"). The review was conducted between March 27, 2025 through July 18, 2025 via files imaged and provided for review (the "Review"), in connection with the Verus 2025-7 securitization.

&nbsp;&nbsp;&nbsp;&nbsp;**(2) Sample size of the assets reviewed.**

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 33 residential and 25 business purpose loans for a total of 58 loans (the "Final Securitization Population").

*<u>Credit Reviews (58):</u>*

During the Review, Selene performed a credit review on 58 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (58)</u>*

During the Review, Selene performed a compliance review, as applicable, on 58 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (58):</u>*

During the Review, Selene performed a property valuation review on 58 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (58):</u>*

During the Review, Selene performed a Data Integrity Review on 58 mortgage loans in the Final Securitization Population.

*VERUS 2025-7 Executive Summary (Selene Diligence)*

**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 58 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;58 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;58 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;58 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;58 | &nbsp;&nbsp;100.00% |

---

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

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E, S&P Global Ratings and Moody's Investors Service, Inc. (the "NRSRO(s)").

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

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

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

Selene assessed the underwriting guidelines and compared the documentation in the loan file against the stated guidelines for adherence.

**<u>LOAN GRADING</u>**

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

---

| | |
|:---|:---|
| *VERUS 2025-7 Executive Summary (Selene Diligence)* | Page **2** of **18** |

---

**<u>SCOPE OF REVIEW</u>**

Selene examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A, B, C, and D, attached hereto).

**CREDIT REVIEW**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Assessed whether the characteristics of the
mortgage loans and the borrowers conformed to the guidelines cited above;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Re-calculated
LTV, CLTV, income, liabilities and compared these against the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Analyzed asset statements to determine whether
funds to close and reserves were within the guidelines; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirmed
that credit scores (FICO) and credit histories were within the guidelines.

**COMPLIANCE REVIEW**

Selene's compliance scope determined the presence and correct execution of required documents and, as applicable, validation that the loans comply with state or federal compliance rules, such as the Federal Truth in Lending Act, the Federal Real Estate Settlement Procedures Act, Sections 1098 and 1100A of Dodd Frank, Sections 1411 and 1412 of the Wall Street Reform and Consumer Protection Act, and the Equal Credit Opportunity Act.

**PROPERTY VALUATION REVIEW**

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Original Appraisal Assessment** 

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Value Supported Analysis** 

Selene applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product provided by the Client.

---

| | |
|:---|:---|
| *VERUS 2025-7 Executive Summary (Selene Diligence)* | Page **3** of **18** |

---

**DATA INTEGRITY REVIEW**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Tape
data received from lender/client is stored in a secured FTP folder;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Tape
data is uploaded into the application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan
Reviewer collects validated loan data;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Discrepancies
found during comparison are stored and reported.

Selene provided the Client with a copy of the initial loan level tape discrepancy report which shows the differences between the data received by the Client versus the data captured by Selene during the loan review.

**DSCR REVIEW**

Selene's DSCR review consisted of the below:

- 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

Please reference **Appendix D**, attached hereto, for additional information.

**<u>SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW</u>**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs.

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 58 mortgage loans, (ii) a Compliance Review, as applicable, on 58 mortgage loans (iii) a Valuation Review on 58 mortgage loans, and (iv) a Data Integrity Review on 58 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After review of the 58 mortgage loans; 38 mortgage loans had a rating grade of A and 20 mortgage loans had a rating grade of B.

---

| | |
|:---|:---|
| *VERUS 2025-7 Executive Summary (Selene Diligence)* | Page **4** of **18** |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; <br> ***Grades per loan (58 overall loans):*** | &nbsp;&nbsp; <br> ***Grades per loan (58 overall loans):*** | &nbsp;&nbsp; <br> ***Grades per loan (58 overall loans):*** | &nbsp;&nbsp; <br> ***Grades per loan (58 overall loans):*** | &nbsp;&nbsp; <br> ***Grades per loan (58 overall loans):*** | &nbsp;&nbsp; <br> ***Grades per loan (58 overall loans):*** | &nbsp;&nbsp; <br> ***Grades per loan (58 overall loans):*** |
| | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO <br> Grade** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO<br> Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;14 | &nbsp;&nbsp;24.14% | &nbsp;&nbsp;A | &nbsp;&nbsp;38 | &nbsp;&nbsp;38 | &nbsp;&nbsp;65.52% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;20 | &nbsp;&nbsp;20 | &nbsp;&nbsp;34.48% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;12 | &nbsp;&nbsp;20.69% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;32 | &nbsp;&nbsp;55.17% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** |
|  | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** |  | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| &nbsp;&nbsp;**NRSRO<br> Grade** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** | &nbsp;&nbsp;**NRSRO<br> Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;57 | &nbsp;&nbsp;98.28% | &nbsp;&nbsp;A | &nbsp;&nbsp;39 | &nbsp;&nbsp;39 | &nbsp;&nbsp;67.24% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.72% | &nbsp;&nbsp;B | &nbsp;&nbsp;19 | &nbsp;&nbsp;19 | &nbsp;&nbsp;32.76% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
|  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |  |  |  |  |
| &nbsp;&nbsp;**NRSRO <br> Grade** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** |  |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;58 | &nbsp;&nbsp;100.00% |  |  |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |

---

**<u>REVIEW RESULTS SUMMARY (EXCEPTION LISTING)</u>**

Review of the Final Grading Summary (redacted) provides the exceptions in detail and the migration from the initial rating agency grade to the final rating agency grade, based on mitigation/resolution from the client.

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

---

| | |
|:---|:---|
| *VERUS 2025-7 Executive Summary (Selene Diligence)* | Page **5** of **18** |

---

Please be further advised that Selene does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Selene do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Selene. Information contained in any Selene report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. Risk levels associated with a loan may have changed an exception level, given rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction.

All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Selene to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Selene are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Selene does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Selene.

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

&nbsp;&nbsp;&nbsp;&nbsp;1. Selene Due Diligence Narrative Report

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

&nbsp;&nbsp;&nbsp;&nbsp;3. Grading Summary

&nbsp;&nbsp;&nbsp;&nbsp;4. Exception Detail

&nbsp;&nbsp;&nbsp;&nbsp;5. Tape Discrepancies

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

&nbsp;&nbsp;&nbsp;&nbsp;7. Supplemental Data

&nbsp;&nbsp;&nbsp;&nbsp;8. ATR/QM Report

&nbsp;&nbsp;&nbsp;&nbsp;9. Third Party (TPR) Attestation Form

&nbsp;&nbsp;&nbsp;&nbsp;10. Attestation Form 15E

---

| | |
|:---|:---|
| *VERUS 2025-7 Executive Summary (Selene Diligence)* | Page **6** of **18** |

---

**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements that are provided to Selene and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application**

For the Credit Application, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The application is substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All known borrower-owned properties are disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

&nbsp;&nbsp;&nbsp;&nbsp;1. A credit report and/or other credit history documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;2. Capture the monthly consumer debt payments for use in the debt to income and/or residual income calculation,
as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;3. Note the Real Estate Owned and fraud alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;4. Gather data required for ASF Report submission which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most recent FICO Score (scores from Equifax, Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the guidelines is in the file and note indications of potentially fraudulent documents. The documentation was also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank statements

---

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|:---|:---|
| *VERUS 2025-7 Executive Summary (Selene Diligence)* | Page **7** of **18** |

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**Asset Review**

Selene assessed whether the asset documentation required by the guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement statement or other evidence of conveyance and transfer of funds if a sale of assets was involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also be performed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verify that the hazard insurance meets the minimum required amount of coverage in the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm that the flood cert is for the correct borrower, property, lender and loan number and is a "Life
of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For properties is in a flood zone per the flood cert, confirm that flood insurance in the file meets the
minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm that the mortgagee clause lists the lender's name and "its successors and assigns";
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm that the premium amount on both the hazard and flood insurance match what was used in the DTI
calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed
for any name variations for the borrowers and confirm that the variations have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed
for any social security number variations for the borrowers and confirm that the variations have been addressed in the loan file;

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| *VERUS 2025-7 Executive Summary (Selene Diligence)* | Page **8** of **18** |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed
for any potential occupancy issues based on the borrowers' address history and confirm that any issues have been addressed in the
loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed
for any employment issues and confirm that any issues have been addressed in the loan file;

5. Reviewed
for any additional consumers associated with the borrowers' profiles and confirm the materiality and material issues have been
addressed in the loan file; and

6. Addressed
all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A review of the completeness and accuracy of the information obtained in the mortgage origination process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A review of closing documents to ensure that the mortgage file information is complete, accurate, and
consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification that all borrowers are eligible based on the guidelines and information in the loan file;
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify there is appropriate documentation present to confirm that applicable documents have been recorded
or have been sent for recording.

---

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|:---|:---|
| *VERUS 2025-7 Executive Summary (Selene Diligence)* | Page **9** of **18** |

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**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the applicable residential loans to determine, as applicable, to the extent possible and/or applicable and subject to the caveats below, whether the loan complies with:

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

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

i) failure to provide the right of rescission notice;

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements.

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

i) review relevant documentation to determine if compensation to a Loan Originator was based on a term of the transaction; <br> ii) review relevant document to determine if there was dual compensation; and

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| *VERUS 2025-7 Executive Summary (Selene Diligence)* | Page **10** of **18** |

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) review for presence of mortgage loan originator
 organization and individual mortgage loan originator name and NMLSR ID, as applicable, on the credit application, note or mortgage loan
 contract, security instrument, Loan Estimate and Closing Disclosure; and (ii) verify the data against the NMLSR database, as available.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD and other applicable exceptions, confirm that the creditor cured or remediated the violations in accordance with the Structured Finance Association TRID 3.0, as may be updated from time to time.

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

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

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

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

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

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

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

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

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

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**SCHEDULE I**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;1. CA AB 260 (Division 1.9 of the Financial Code) higher-priced mortgage loan provisions - Anti-Predatory Lending Statute - Amendment

&nbsp;&nbsp;&nbsp;&nbsp;2. CT Abusive Home Lending Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;3. CT Nonprime Home Loans Statute

&nbsp;&nbsp;&nbsp;&nbsp;4. IL Office of Banks and Real Estate High Risk Home Loan Regulations

&nbsp;&nbsp;&nbsp;&nbsp;5. IL High Risk Home Loan ActL Predatory Lending Database Program

&nbsp;&nbsp;&nbsp;&nbsp;6. Chicago, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;7. Cook County, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;8. KY Predatory Lending and High Cost Home Loan Act (pre- and post-amendments)

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

&nbsp;&nbsp;&nbsp;&nbsp;10. MA High Cost Home Loan Regulations (pre- and post-amendments) - MA Predatory Home Loan Practices Act - MA 209 CMR 32.35 Higher-Priced
Mortgage Loan Provisions - MA "Borrower's Interest" Standard

&nbsp;&nbsp;&nbsp;&nbsp;11. Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law

&nbsp;&nbsp;&nbsp;&nbsp;12. NC Restrictions and Limitations of Home Loans and High-Cost Home Loans

&nbsp;&nbsp;&nbsp;&nbsp;13. NV Unfair Lending Practices Act – Anti Predatory Lending Law

&nbsp;&nbsp;&nbsp;&nbsp;14. NY GRBB Part 41 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;15. NY Banking Law 6-L

&nbsp;&nbsp;&nbsp;&nbsp;16. NY Banking Law 6-M

&nbsp;&nbsp;&nbsp;&nbsp;17. OH Anti - Predatory Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;18. Cleveland Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;19. RI Providence Ordinance Regarding Predatory Lending (post-amendment)

&nbsp;&nbsp;&nbsp;&nbsp;20. SC High-Cost and Consumer Home Loan Act (original provisions & 2010 ARM amendments)

&nbsp;&nbsp;&nbsp;&nbsp;21. TX Home Loan and High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;22. UT High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;23. VT High Rate Loans

&nbsp;&nbsp;&nbsp;&nbsp;24. VI VA SB 797 Hight Risk Mortgage – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;25. WI Responsible High Cost Mortgage Lending Act

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**APPENDIX C – VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

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**APPENDIX D – DSCR SCOPE**

&nbsp;&nbsp;&nbsp;&nbsp;**1.** **Borrower Qualifications** 

Selene reviewed each Loan File to determine whether it contains the following borrower documents and if they adhere to the guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Evidence of public record search (Thomson Reuters CLEAR)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Evidence of asset location searches for additional real estate transactions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Borrowers Questionnaire is completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Schedule of RE owned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Personal Tax Returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Background Search

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g) Personal Financial Statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h) Liquidity and Net Worth Verification Documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) Credit Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) Review OFAC reports for any findings

&nbsp;&nbsp;&nbsp;&nbsp;**2.** **Borrowing Entity Qualifications** 

Selene reviewed each Loan File to determine whether it contains the following entity documents and if they adhere to the guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Evidence of public record search (Thomson Reuters CLEAR) and applicable Sec. of State evidence of good
standing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Evidence of asset location searches

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Business Tax Returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Business Financials

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Articles of Incorporation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Bylaws/Operating agreement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g) Resolution to take on Debt

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h) Organizational Chart

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) Credit Approval Memo

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) Review OFAC reports for any findings

&nbsp;&nbsp;&nbsp;&nbsp;**3.** **Property Manager Entity Qualifications** 

Selene reviewed each Loan File to determine that Property Manager entity is incorporated and operated in the United States with bank accounts located in U.S. state and federally chartered bank accounts.

&nbsp;&nbsp;&nbsp;&nbsp;**4.**  **<u>Individual Property Scope</u>** 

&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Business Purpose Loan Affidavit** 

Selene reviewed each Loan File to determine whether a Business Purpose Loan is present and properly executed.

&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Lease Review** 

Selene reviewed each Loan File to determine whether each property contains a valid lease and determine if it is executed in compliance with the guidelines, including a review of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Each lease has been executed by the applicable tenant

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Confirm tenant is a natural person

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm lease does not contain "lease to own" provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Verify vacancy factor

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Each lease contains the monthly rental payment, commencement and expiration dates, and term and remaining
term are in compliance with the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm rent, vacancy and lease commencement/expiration consistent with underwritten rent roll

&nbsp;&nbsp;&nbsp;&nbsp;**c)** **Valuation Review** 

Selene reviewed the appraisal provided for each property in the Loan File to ensure that the value meets the guidelines and that the market value concluded on the appraisal is properly supported. Selene reviewed the Loan to Value ("LTV") of each loan for program eligibility, pursuant to the guidelines. Specifically, Selene will:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Confirm the appraisal is the correct form

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Review property condition and type; confirm it meets guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Review that value meets the minimum/maximum per the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Confirm "as is" and "subject to" values

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Review sales comparables and adjustments for relevance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. For multifamily properties: review the appraiser's cash flow assumptions, rent comparables, cap
rate selection and value reconciliation

&nbsp;&nbsp;&nbsp;&nbsp;**d)** **Insurance Review** 

Selene reviewed each Loan File to ensure that the property, flood, and hazard insurance policies are in compliance with the guidelines.

In the event the property is located within 25 miles of the Gulf of Mexico or the Atlantic Coast of Florida, Georgia, South Carolina, or North Carolina, Selene confirmed property has windstorm or "named storm" coverage.

&nbsp;&nbsp;&nbsp;&nbsp;**e)** **Collateral Analysis** 

Selene reviewed each Loan File to determine whether it contains the following collateral documents and if they are in compliance with the guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Executed Leases

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Rent Roll

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Rental Income Verification (proof of lease payments that demonstrate minimum 90% of scheduled gross rents for the previous two-month
period.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Operating Statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Property Management Agreement

&nbsp;&nbsp;&nbsp;&nbsp;**f)** **Financial Analysis / Cash Flow Analysis** 

Selene reviewed each Loan File to determine whether it contains the following financial documents and if they are in compliance with the guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Rent Roll:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm monthly rents are populated correctly at the loan level and portfolio level

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm Rent verification – proof of lease payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm vacancy is within guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Operating Statements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm expenses within range, per the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm taxes, insurance and HOA are populated at loan level and within range at portfolio level per the guidelines

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm CapEx meets guidelines for reasonableness

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm annual maintenance fees meet guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm property management fees meet program requirements for range and historical consistency

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm the DSCR meets program guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Property Management Agreement / Tri Party Agreement if no property manager

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## Exhibit 99.23

**EXHIBIT 99.23**

**SELENE RATING AGENCY GRADES detail REPORT**

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 831176 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-23 13:36 | 2025-04-25 12:37 | Waived | 2 - Non-Material C B | Credit | Eligibility | Business Purpose Loan: Check if Signor is applicable per guideline | Waived-Exception Waived with compensating factors. - Due Diligence Vendor-04/24/2025 <br> Waived-Exception approved - Due Diligence Vendor-04/24/2025 <br> Ready for Review-Document Uploaded. - Seller-04/23/2025 <br> Open-Guidelines do not allow entity to sign note the note cannot be signed by a member of an LLC. - Due Diligence Vendor-04/23/2025 | Borrower signed note as member of LLC instead of as individual, which differs from guideline. This is fine since we have the guaranty. - 04/24/2025 <br>Ready for Review-Document Uploaded. - Seller-04/23/2025 | Waived-Exception Waived with compensating factors - Due Diligence Vendor-04/24/2025 <br> Waived-Exception approved - Due Diligence Vendor-04/24/2025 | 715 FICO; 700 minimum<br> Personal guaranty in file. <br> Borrower 0x12x35 per VOM | 715 FICO; 700 minimum<br> Personal guaranty in file. <br> Borrower 0x12x35 per VOM | xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 831176 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-23 13:41 | 2025-04-24 09:24 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Credit score and 1008 data updated - Due Diligence Vendor-04/24/2025 <br> Ready for Review-Document Uploaded. - Seller-04/23/2025 <br> Open-Qualifying FICO on the 1008 Page is '697' or blank, but the Qualifying FICO from the Credit Liabilities Page is '715' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Provide the credit report dated 3/12/25 - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. - Seller-04/23/2025 | Resolved-Credit score and 1008 data updated - Due Diligence Vendor-04/24/2025 |  |  | xxxxxx 1008.pdf<br> xxxxxx Credit.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 831176 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-10 03:25 | 2025-04-23 13:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-the corrected Final 1003 is provided showing the correct address for the Foreign National borrower. - Due Diligence Vendor-04/15/2025 <br> Ready for Review-Document Uploaded. - Seller-04/15/2025 <br> Open-The Final 1003 is Incomplete Borrower is Foreign National, verified from U?W Notes, Foreign national contact form and No SSN No, Foreign Address is Missing on 1003 - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. - Seller-04/15/2025 | Resolved-the corrected Final 1003 is provided showing the correct address for the Foreign National borrower. - Due Diligence Vendor-04/15/2025 |  |  | xxxxxx corrected 1003.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 831176 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-10 03:14 | 2025-04-17 03:03 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-REQuired Document Provided, Changes Made in System, Finding Resolved - Due Diligence Vendor-04/17/2025 <br> Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-04/17/2025 <br> Ready for Review-Already uploaded. - Seller-04/16/2025 <br> Open-Appraisal is Missing Appraisal in Missing in file - Due Diligence Vendor-04/10/2025 | Ready for Review-Already uploaded. - Seller-04/16/2025 | Resolved-REQuired Document Provided, Changes Made in System, Finding Resolved - Due Diligence Vendor-04/17/2025 <br> Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-04/17/2025 |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 831176 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-10 02:44 | 2025-04-15 05:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-Requested 1007 Document provided hence resolved. - Due Diligence Vendor-04/15/2025 <br> Ready for Review-Document Uploaded. - Seller-04/14/2025 <br> Open-Rent Schedule is Missing in file - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. - Seller-04/14/2025 | Resolved-Requested 1007 Document provided hence resolved. - Due Diligence Vendor-04/15/2025 |  |  | xxxxxx Appraisal.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 831179 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-23 13:46 | 2025-04-25 12:36 | Waived | 2 - Non-Material C B | Credit | Eligibility | Business Purpose Loan: Check if Signor is applicable per guideline | Waived-Exception Waived with compensating factors. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. - Seller-04/23/2025 <br> Open-Guidelines do not allow entity to sign note the borrower can't sign the note as a member of an LLC - Due Diligence Vendor-04/23/2025 | Borrower signed note as member of LLC instead of as individual, which differs from<br> guideline. This is fine since we have the guaranty. - 04/24/2025 <br>Ready for Review-Document Uploaded. - Seller-04/23/2025 | Waived-Exception Waived with compensating factors. - Due Diligence Vendor-07/14/2025 | 715 FICO; 700 minimum<br> Personal Guaranty in file.<br> Borrower 0x12x35 per VOM | 715 FICO; 700 minimum<br> Personal Guaranty in file.<br> Borrower 0x12x35 per VOM | xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 831179 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-10 07:26 | 2025-04-23 10:46 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Requested Credit Report Provided with updated FICO of 715 that is matching to 1008 hence resolved - Due Diligence Vendor-04/15/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-04/15/2025 <br> Ready for Review-Document Uploaded. The 715 is correct. - Seller-04/14/2025 <br> Open-Qualifying FICO on the 1008 Page is '715' or blank, but the Qualifying FICO from the Credit Liabilities Page is '697' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the 1008 Page is '715, Qualifying FICO from the Credit Liabilities Page is '697", Considered Fico as per credit report - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. The 715 is correct. - Seller-04/14/2025 | Resolved-Requested Credit Report Provided with updated FICO of 715 that is matching to 1008 hence resolved - Due Diligence Vendor-04/15/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-04/15/2025 |  |  | xxxxxx Credit report.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 831179 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-10 07:31 | 2025-04-17 03:14 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Required Document Provided, Changes Made in System, Finding Resolved - Due Diligence Vendor-04/17/2025 <br> Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-04/17/2025 <br> Ready for Review-This was uploaded with the rent schedule condition. Was this not reviewed? - Seller-04/16/2025 <br> Open-Appraisal is Missing Appraisal Missing in file - Due Diligence Vendor-04/10/2025 | Ready for Review-This was uploaded with the rent schedule condition. Was this not reviewed? - Seller-04/16/2025 | Resolved-Required Document Provided, Changes Made in System, Finding Resolved - Due Diligence Vendor-04/17/2025 <br> Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-04/17/2025 |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 831179 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-10 08:20 | 2025-04-15 05:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-Requested 1007 Document provided hence resolved. - Due Diligence Vendor-04/15/2025 <br> Ready for Review-Document Uploaded. - Seller-04/14/2025 <br> Open-Rent Schedule is Missing in file - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. - Seller-04/14/2025 | Resolved-Requested 1007 Document provided hence resolved. - Due Diligence Vendor-04/15/2025 |  |  | xxxxxx Appraisal.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 831180 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-14 14:02 | 2025-04-25 12:35 | Waived | 2 - Non-Material C B | Credit | Eligibility | Business Purpose Loan: Check if Signor is applicable per guideline | Waived-Exception Waived with compensating factors. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. - Seller-04/14/2025 <br> Open-Guidelines do not allow entity to sign note open - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. - Seller-04/14/2025 | Waived-Exception Waived with compensating factors. - Due Diligence Vendor-07/14/2025 | 1- Borrower is a Foreign National and has established xxxxxx credit with a score of 697. The minimum credit score for Foreign Nationals is 680. <br> 2- Personal Guaranty in file.<br> 3- Borrower 0x12x35 per VOM | 1- Borrower is a Foreign National and has established xxxxxx credit with a score of 697. The minimum credit score for Foreign Nationals is 680. <br> 2- Personal Guaranty in file.<br> 3- Borrower 0x12x35 per VOM | xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 831180 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-23 13:51 | 2025-04-24 09:21 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Credit Scores and 1008 data updated - Due Diligence Vendor-04/24/2025 <br> Ready for Review-Document Uploaded. - Seller-04/23/2025 <br> Open-Qualifying FICO on the 1008 Page is '697' or blank, but the Qualifying FICO from the Credit Liabilities Page is '715' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. provide the credit report dated 03/12/2025 - Due Diligence Vendor-04/23/2025 <br> Open-Qualifying FICO on 1008 does not match Qualifying FICO per Guidelines. Please confirm the correct Qualifying FICO. Qualifying FICO of 715 per 1008, please provide updated credit report - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. - Seller-04/23/2025 | Resolved-Credit Scores and 1008 data updated - Due Diligence Vendor-04/24/2025 |  |  | xxxxxx Credit.pdf<br> xxxxxx 1008.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 831180 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-10 05:06 | 2025-04-17 03:08 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Required Document Provided, Changes Made in System, Finding Resolved<br> - Due Diligence Vendor-04/17/2025 <br> Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-04/17/2025 <br> Ready for Review-Uploaded several days ago with rent schedule. - Seller-04/16/2025 <br> Open-Appraisal is Missing Appraisal in Missing in file - Due Diligence Vendor-04/10/2025 | Ready for Review-Uploaded several days ago with rent schedule. - Seller-04/16/2025 | Resolved-Required Document Provided, Changes Made in System, Finding Resolved<br> - Due Diligence Vendor-04/17/2025 <br> Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-04/17/2025 |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 831180 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-10 07:16 | 2025-04-15 05:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-Requested 1007 Document provided hence resolved. - Due Diligence Vendor-04/15/2025 <br> Ready for Review-Document Uploaded. - Seller-04/14/2025 <br> Open-Rent Schedule is Missing in file - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. - Seller-04/14/2025 | Resolved-Requested 1007 Document provided hence resolved. - Due Diligence Vendor-04/15/2025 |  |  | Appraisal docs.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832162 | xxxxxx | D A | Closed | xxxxxx | 2025-03-25 19:16 | 2025-03-27 11:54 | Resolved | 1 - Information D A | Credit | Credit | Payment Letter is missing | Resolved-The first payment letter was provided - Due Diligence Vendor-03/27/2025 <br> Ready for Review-Document Uploaded. - Seller-03/26/2025 <br> Open-the First Payment Letter is missing - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. - Seller-03/26/2025 | Resolved-The first payment letter was provided - Due Diligence Vendor-03/27/2025 |  |  | xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 832721 | xxxxxx | D B C A | Closed | xxxxxx | 2025-04-25 10:01 | 2025-04-25 12:56 | Waived | 2 - Non-Material C B | Credit | Eligibility | Business Purpose Loan: Check if Signor is applicable per guideline | Waived-Approved exception with compensating factors. - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-04/25/2025 <br> Open-Guidelines do not allow entity to sign note guidelines state that a business entity can't sign the note. - Due Diligence Vendor-04/25/2025 | Exception approved with compensating factors. - 04/25/2025 <br>| Waived-Exception Waived with compensating factors. - Due Diligence Vendor-04/25/2025 | LTV 65% vs 75% max allowed. <br> Reserves 106 months vs 2 minimum required. <br> Personal Guaranty in file. | LTV 65% vs 75% max allowed. <br> Reserves 106 months vs 2 minimum required. <br> Personal Guaranty in file. | xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 832721 | xxxxxx | D B C A | Closed | xxxxxx | 2025-04-14 05:23 | 2025-04-22 12:42 | Resolved | 1 - Information C A | Compliance | Disclosure | Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect | Resolved-The corrected HUD 1 with the correct Prepayment penalty was provided. - Due Diligence Vendor-04/22/2025 <br> Ready for Review-Document Uploaded. Revised HUD-1 attached. - Seller-04/21/2025 <br> Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. prepayment discrepancy between note and Final CD<br> - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. Revised HUD-1 attached. - Seller-04/21/2025 | Resolved-The corrected HUD 1 with the correct Prepayment penalty was provided. - Due Diligence Vendor-04/22/2025 |  |  | HUD-1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 832721 | xxxxxx | D B C A | Closed | xxxxxx | 2025-04-13 22:19 | 2025-04-21 04:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Requested Purchase Contract Provided hence resolved.<br> - Due Diligence Vendor-04/21/2025 <br> Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-04/21/2025 <br> Ready for Review-Document Uploaded. - Seller-04/18/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract Doc is Missing Purchase Contract is Missing in file - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. - Seller-04/18/2025 | Resolved-Requested Purchase Contract Provided hence resolved.<br> - Due Diligence Vendor-04/21/2025 <br> Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-04/21/2025 |  |  | xxxxxx contract.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 832721 | xxxxxx | D B C A | Closed | xxxxxx | 2025-04-13 22:26 | 2025-04-21 04:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Requested Hazard Insurance Policy provided with premium that is matching to Hud-1 hence resolved. - Due Diligence Vendor-04/21/2025 <br> Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/21/2025 <br> Ready for Review-Document Uploaded. - Seller-04/18/2025 <br> Open-Missing Hazard Insurance Policy - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. - Seller-04/18/2025 | Resolved-Requested Hazard Insurance Policy provided with premium that is matching to Hud-1 hence resolved. - Due Diligence Vendor-04/21/2025 <br> Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/21/2025 |  |  | xxxxxx Insurance.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834694 | xxxxxx | C B A | Closed | xxxxxx | 2025-04-23 16:19 | 2025-05-01 10:58 | Waived | 2 - Non-Material C B | Credit | Eligibility | Business Purpose Loan: Check if Signor is applicable per guideline | Waived-Exception Waived with compensating factors. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. - Seller-04/24/2025 <br> Open-Guidelines do not allow entity to sign note the note can't be signed by a member of an LLC - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. - Seller-04/24/2025 | Waived-Exception Waived with compensating factors. - Due Diligence Vendor-07/14/2025 | 1- 51.85% LTV - 70% LTV maximum<br> 2- 1.173 DSCR Score - 1.00 DSCR Score minimum<br> 3-Personal Guaranty in file. | 1- 51.85% LTV - 70% LTV maximum<br> 2- 1.173 DSCR Score - 1.00 DSCR Score minimum<br> 3-Personal Guaranty in file. | xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 834698 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 834702 | xxxxxx | D B C A | Closed | xxxxxx | 2025-04-10 22:23 | 2025-05-01 10:46 | Waived | 2 - Non-Material C B | Credit | Eligibility | Business Purpose Loan: Check if Signor is applicable per guideline | Waived-Exception Waived with compensating factors. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. - Seller-04/23/2025 <br> Open-Guidelines do not allow entity to sign note Note and DOT is signed with Business Entity. - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. - Seller-04/23/2025 | Waived-Exception Waived with compensating factors. - Due Diligence Vendor-07/14/2025 | 1- 732 FICO score - 700 FICO minimum<br> 2- 13 months reserves - 2 months reserves required (purchase)<br> 3- Personal Guaranty in file. | 1- 732 FICO score - 700 FICO minimum<br> 2- 13 months reserves - 2 months reserves required (purchase)<br> 3- Personal Guaranty in file. | xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 834702 | xxxxxx | D B C A | Closed | xxxxxx | 2025-04-24 09:52 | 2025-04-25 12:02 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Prepayment Penalty is missing or inaccurate | Resolved-There was no prepayment penalty as evidence by the lock provided - Due Diligence Vendor-04/25/2025 <br> Ready for Review-No PPP, updated late in the process. - Seller-04/24/2025 <br> Open-Provide a corrected HUD 1 showing the prepayment penalty. - Due Diligence Vendor-04/24/2025 | Ready for Review-No PPP, updated late in the process. - Seller-04/24/2025 | Resolved-There was no prepayment penalty as evidence by the lock provided - Due Diligence Vendor-04/25/2025 |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834702 | xxxxxx | D B C A | Closed | xxxxxx | 2025-04-24 09:50 | 2025-04-25 12:02 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Incomplete | Resolved-There was no prepayment penalty as evidence by the lock provided - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Document Uploaded. - Seller-04/24/2025 <br> Open-Provide the addendum to the note showing the Prepayment penalty. - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. - Seller-04/24/2025 | Resolved-There was no prepayment penalty as evidence by the lock provided - Due Diligence Vendor-04/25/2025 |  |  | xxxxxx updated lock.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834702 | xxxxxx | D B C A | Closed | xxxxxx | 2025-04-24 09:51 | 2025-04-25 12:02 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Prepayment Rider | Resolved-There was no prepayment penalty as evidence by the lock provided - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Document Uploaded. No PPP, see updated lock. - Seller-04/24/2025 <br> Open-provide the prepayment rider<br> - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. No PPP, see updated lock. - Seller-04/24/2025 | Resolved-There was no prepayment penalty as evidence by the lock provided - Due Diligence Vendor-04/25/2025 |  |  | xxxxxx updated lock.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834702 | xxxxxx | D B C A | Closed | xxxxxx | 2025-04-16 11:37 | 2025-04-24 09:45 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-04/24/2025 <br> Ready for Review-Document Uploaded. - Seller-04/23/2025 <br> Open-the approval shows that there is a prepayment penalty, however the HUD1, DOT and the NOTE does not show that there is a PPP. Provide the correct information if there is a PPP or not. If there is a PPP the HUD1, addendum to the note and a PPP rider need to be provided - Due Diligence Vendor-04/16/2025 <br> Open-Evidence of Rate Lock Missing - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. - Seller-04/23/2025 | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-04/24/2025 |  |  | xxxxxx Lock.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834705 | xxxxxx | C B A | Closed | xxxxxx | 2025-05-06 13:15 | 2025-05-08 06:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Waiver and comp factors accepted - Due Diligence Vendor-05/08/2025 <br> Ready for Review-Document Uploaded. - Seller-05/07/2025 <br> Open-Borrower Type ineligible per program guidelines. Document Uploaded. Note is signed by xxxxxx on behalf of Business Entity, xxxxxx. Provide Exception - Due Diligence Vendor-05/06/2025 | Borrower signed note as member of LLC instead of as individual, which differs from guideline. This is fine since we have the guaranty. - 05/08/2025 <br>Ready for Review-Document Uploaded. - Seller-05/07/2025 | Waived-Exception Waived with compensating factors - Due Diligence Vendor-05/08/2025 | Credit Score - Loan File 713, GL Requirement Min 700<br> Housing History- Loan File 0 x 30 x 49 months, GL Requirement 1 x 30 x 12 months<br> Personal Guaranty in file | Credit Score - Loan File 713, GL Requirement Min 700<br> Housing History- Loan File 0 x 30 x 49 months, GL Requirement 1 x 30 x 12 months<br> Personal Guaranty in file | xxxxxx - Note signed by Member not Individual.jpg<br> Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 834709 | xxxxxx | C B A | Closed | xxxxxx | 2025-04-22 11:06 | 2025-05-01 06:57 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Exception Waived with compensating factors. - Due Diligence Vendor-05/01/2025 <br> Counter-Reserves of 6.57 months is insufficient as a Comp Factor and only 1 Comp Factor is insufficient to waive - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. - Seller-04/29/2025 <br> Open-Borrower Type ineligible per program guidelines. Dote is signed by xxxxxx and xxxxxx on behalf of Business Entity, xxxxxx. Provide Exception - Due Diligence Vendor-04/22/2025 | Borrower signed note as member of LLC instead of as individual, which differs from guideline. This is fine since we have the guaranty. - 05/01/2025 <br>Ready for Review-Document Uploaded. - Seller-04/29/2025 | Waived-Exception Waived with compensating factors - Due Diligence Vendor-05/01/2025 | DSCR - Loan File 0.814, GL Requirement 0.00<br> Personal Guaranty in file | DSCR - Loan File 0.814, GL Requirement 0.00<br> Personal Guaranty in file | xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 834709 | xxxxxx | C B A | Closed | xxxxxx | 2025-04-22 10:59 | 2025-04-29 08:05 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Loan program disclosure | Resolved-xxxxxx Foreign Interest Affidavit received - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. - Seller-04/25/2025 <br> Open-Provide xxxxxx Foreign Interest Affidavit - Due Diligence Vendor-04/22/2025 | Ready for Review-Document Uploaded. - Seller-04/25/2025 | Resolved-xxxxxx Foreign Interest Affidavit received - Due Diligence Vendor-04/29/2025 |  |  | xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834747 | xxxxxx | D A | Closed | xxxxxx | 2025-04-24 05:40 | 2025-04-25 06:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Received Revised LE, Revised CD and COC - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Document Uploaded. - Seller-04/24/2025 <br> Open-Provide Loan Estimate dated xxxxxx an related COC - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. - Seller-04/24/2025 | Resolved-Received Revised LE, Revised CD and COC - Due Diligence Vendor-04/25/2025 |  |  | xxxxxx CC.pdf<br> xxxxxx CC @.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 834747 | xxxxxx | D A | Closed | xxxxxx | 2025-04-25 06:18 | 2025-04-25 06:29 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 500 and the Final Closing disclosure on page 257 reflects escrows. Rate lock date was entered correctly – see page 542. An interior and exterior appraisal was completed for this property – see page 20, the appraisal disclosure was provided to the borrower(s)- see page 695, 553 and copy of the appraisal was given to the borrower – see page 550-551. The loan meets HPML guidelines. - Due Diligence Vendor-04/25/2025 <br> Open-The loan's (8.793%) APR equals or exceeds the Federal HPML threshold of (8.15%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-04/25/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 500 and the Final Closing disclosure on page 257 reflects escrows. Rate lock date was entered correctly – see page 542. An interior and exterior appraisal was completed for this property – see page 20, the appraisal disclosure was provided to the borrower(s)- see page 695, 553 and copy of the appraisal was given to the borrower – see page 550-551. The loan meets HPML guidelines. - Due Diligence Vendor-04/25/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 834747 | xxxxxx | D A | Closed | xxxxxx | 2025-04-25 06:18 | 2025-04-25 06:28 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 500 and the Final Closing disclosure on page 257 reflects escrows. Rate lock date was entered correctly – see page 542. An interior and exterior appraisal was completed for this property – see page 20, the appraisal disclosure was provided to the borrower(s)- see page 695, 553 and copy of the appraisal was given to the borrower – see page 550-551. The loan meets HPML guidelines. - Due Diligence Vendor-04/25/2025 <br> Open-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.793%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (8.15%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.65%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-04/25/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 500 and the Final Closing disclosure on page 257 reflects escrows. Rate lock date was entered correctly – see page 542. An interior and exterior appraisal was completed for this property – see page 20, the appraisal disclosure was provided to the borrower(s)- see page 695, 553 and copy of the appraisal was given to the borrower – see page 550-551. The loan meets HPML guidelines. - Due Diligence Vendor-04/25/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 834747 | xxxxxx | D A | Closed | xxxxxx | 2025-04-11 21:38 | 2025-04-24 05:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD and Disclosure Tracking Summary received. - Due Diligence Vendor-04/24/2025 <br> Ready for Review-Document Uploaded. - Seller-04/22/2025 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-04/12/2025 | Ready for Review-Document Uploaded. - Seller-04/22/2025 | Resolved-Initial CD and Disclosure Tracking Summary received. - Due Diligence Vendor-04/24/2025 |  |  | xxxxxx Tracking.pdf<br> xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 834751 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-20 09:49 | 2025-06-05 09:42 | Acknowledged | 2 - Non-Material B | Compliance | HigherPriced:APR | xxxxxx - Rate Spread Home Loan (First Lien 10/13)(Conforming) | Acknowledged-Per external counsel: it is appropriate to Acknowledge as a B grade. - Due Diligence Vendor-06/05/2025 <br> Waived-Per external counsel: it is appropriate to waive to a grade B. - Due Diligence Vendor-05/20/2025 <br> Open-The loan's (8.872%) APR equals or exceeds the xxxxxx Rate Spread Home Loan first lien conforming loan threshold of (8.15%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a xxxxxx unit dwelling is (6.65%).(xxxxxx Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-05/20/2025 |  | Acknowledged-Per external counsel: it is appropriate to Acknowledge as a B grade. - Due Diligence Vendor-06/05/2025 <br> Waived-Per external counsel: it is appropriate to waive to a grade B. - Due Diligence Vendor-05/20/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 834751 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-20 09:49 | 2025-05-20 09:55 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a compliant higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _412___ and the Final Closing disclosure on Pg#'s __138__ reflects escrows. Rate lock date was entered correctly – see Pg#'s _Findings____ An interior and exterior appraisal was completed for this property – see pg _45___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_512__ , and copy of the appraisal was given to the borrower – see Pg#'s _349____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/20/2025 <br> Open-The loan's (8.872%) APR equals or exceeds the Federal HPML threshold of (8.15%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-05/20/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a compliant higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _412___ and the Final Closing disclosure on Pg#'s __138__ reflects escrows. Rate lock date was entered correctly – see Pg#'s _Findings____ An interior and exterior appraisal was completed for this property – see pg _45___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_512__ , and copy of the appraisal was given to the borrower – see Pg#'s _349____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/20/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 834751 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-13 06:59 | 2025-05-20 09:50 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-The initial CD's were provided - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. - Seller-05/19/2025 <br> Open-TRID: Missing Closing Disclosure TRID: Missing Initial Closing Disclosure. - Due Diligence Vendor-05/13/2025 | Ready for Review-Document Uploaded. - Seller-05/19/2025 | Resolved-The initial CD's were provided - Due Diligence Vendor-05/20/2025 |  |  | xxxxxx CC.pdf<br> xxxxxx 4 28 CC.pdf<br> xxxxxx 4 21 CC.pdf<br> xxxxxx 4 16 CC.pdf<br> xxxxxx CD.pdf<br> xxxxxx Tracking.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 834751 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-16 16:28 | 2025-05-20 09:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. - Seller-05/19/2025 <br> Open-Evidence of Rate Lock Missing - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. - Seller-05/19/2025 | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/20/2025 |  |  | xxxxxx Lock.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 834758 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 834763 | xxxxxx | C A | Closed | xxxxxx | 2025-04-02 10:25 | 2025-04-04 09:52 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Prepayment Penalty is missing or inaccurate | Resolved-A correct HUD 1 was provided with the correct Prepayment penalty - Due Diligence Vendor-04/04/2025 <br> Ready for Review-Document Uploaded. Revised HUD-1 attached. - Seller-04/03/2025 <br> Open-The HUD 1 shows the incorrect amount for the Prepayment Penalty, provide a new HUD with the correct amount. - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. Revised HUD-1 attached. - Seller-04/03/2025 | Resolved-A correct HUD 1 was provided with the correct Prepayment penalty - Due Diligence Vendor-04/04/2025 |  |  | HUD-1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836049 | xxxxxx | C A | Closed | xxxxxx | 2025-04-22 04:49 | 2025-05-01 10:29 | Resolved | 1 - Information C A | Compliance | Disclosure | Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect | Resolved-Received the HUD 1 with the correct PPP - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. Corrected HUD attached. - Seller-04/30/2025 <br> Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. Prepayment Penalty on the note is not matching with HUD -1. - Due Diligence Vendor-04/22/2025 | Ready for Review-Document Uploaded. Corrected HUD attached. - Seller-04/30/2025 | Resolved-Received the HUD 1 with the correct PPP - Due Diligence Vendor-05/01/2025 |  |  | HUD-1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 836052 | xxxxxx | C B A | Closed | xxxxxx | 2025-04-24 16:24 | 2025-05-01 10:54 | Waived | 2 - Non-Material C B | Credit | Eligibility | Business Purpose Loan: Check if Signor is applicable per guideline | Waived-Exception Waived with compensating factors. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. - Seller-04/25/2025 <br> Open-business entity cannot sign the note - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. - Seller-04/25/2025 | Waived-Exception Waived with compensating factors. - Due Diligence Vendor-07/14/2025 | 1- 6.6 months reserves - 2 months reserves required<br> 2- 1.433 DSCR score - 1 DSCR score is the minimum <br> 3- Personal Guaranty in file. | 1- 6.6 months reserves - 2 months reserves required<br> 2- 1.433 DSCR score - 1 DSCR score is the minimum <br> 3- Personal Guaranty in file. | xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 836052 | xxxxxx | C B A | Closed | xxxxxx | 2025-04-24 16:26 | 2025-04-29 10:14 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-the required asset worksheet was provided - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. - Seller-04/28/2025 <br> Open-Provide the Asset Worksheet - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. - Seller-04/28/2025 | Resolved-the required asset worksheet was provided - Due Diligence Vendor-04/29/2025 |  |  | xxxxxx Asset worksheet.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 836101 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836117 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836161 | xxxxxx | D A | Closed | xxxxxx | 2025-05-28 21:15 | 2025-05-30 08:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved- Disclosure Tracking Summary received - Due Diligence Vendor-05/30/2025 <br> Ready for Review-Document Uploaded. - Seller-05/30/2025 <br> Counter-Received Revised LE dated xxxxxx, Initial CD dated xxxxxx and COC's. Provide executed/signed Revised LE dated xxxxxx and/or Disclosure Tracking Summary. - Due Diligence Vendor-05/30/2025 <br> Ready for Review-Document Uploaded. - Seller-05/29/2025 <br> Open-TRID: Missing Closing Disclosure Provide Initial Closing Disclosure, related COC and Disclosure Tracking Summary - Due Diligence Vendor-05/29/2025 | Ready for Review-Document Uploaded. - Seller-05/30/2025 <br> Ready for Review-Document Uploaded. - Seller-05/29/2025 | Resolved- Disclosure Tracking Summary received - Due Diligence Vendor-05/30/2025 |  |  | xxxxxx CD items.pdf<br> xxxxxx Tracking.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 836184 | xxxxxx | C B A | Closed | xxxxxx | 2025-05-07 13:50 | 2025-05-21 07:23 | Waived | 2 - Non-Material C B | Credit | Eligibility | Business Purpose Loan: Check if Signor is applicable per guideline | Waived-Exception Waived with compensating factors - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. - Seller-05/07/2025 <br> Open-LLC can't sign the note against guidelines - Due Diligence Vendor-05/07/2025 | Ready for Review-Document Uploaded. - Seller-05/07/2025 | Waived-Exception Waived with compensating factors - Due Diligence Vendor-07/14/2025 | 1- 1.229 DSCR score - 1.00 DSCR score minimum<br> 2- 734 FICO - 700 FICO required<br> 3- Personal Guaranty in file | 1- 1.229 DSCR score - 1.00 DSCR score minimum<br> 2- 734 FICO - 700 FICO required<br> 3- Personal Guaranty in file | xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 836931 | xxxxxx | C B A | Closed | xxxxxx | 2025-05-09 09:12 | 2025-05-23 10:45 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Exception Waived with compensating factors. - Due Diligence Vendor-05/23/2025 <br> Ready for Review-xxxxxx approves exception. Ok to proceed. - Seller-05/13/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Exception page No #280<br> No Housing <br> Primary Housing Required - Due Diligence Vendor-05/09/2025 | Ready for Review-xxxxxx approves exception. Ok to proceed. - Seller-05/13/2025 | Waived-Exception Waived with compensating factors. - Due Diligence Vendor-05/23/2025 | 1- 61.59% LTV - 80% maximum<br> 2- 747 FICO Score - 700 FICO Score minimum. | 1- 61.59% LTV - 80% maximum<br> 2- 747 FICO Score - 700 FICO Score minimum. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 836931 | xxxxxx | C B A | Closed | xxxxxx | 2025-05-09 13:01 | 2025-05-22 10:37 | Resolved | 1 - Information C A | Compliance | Closing | Loan Originator xxxxxx Status is Unknown | Resolved- - Due Diligence Vendor-05/22/2025 <br> Resolved-State license not required xxxxxx for this product. See matrix - Due Diligence Vendor-05/14/2025 <br> Ready for Review-State license not required xxxxxx for this product. See matrix. - Seller-05/13/2025 <br> Open-Loan Originator xxxxxx Status is Unknown Unable to Verify, Loan Originator xxxxxx Status in xxxxxx Lookup. - Due Diligence Vendor-05/09/2025 | Ready for Review-State license not required xxxxxx for this product. See matrix. - Seller-05/13/2025 | Resolved-State license not required xxxxxx for this product. See matrix - Due Diligence Vendor-05/14/2025 |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 836931 | xxxxxx | C B A | Closed | xxxxxx | 2025-05-09 13:01 | 2025-05-22 10:34 | Resolved | 1 - Information C A | Compliance | Closing | Loan Origination Company xxxxxx Status is not tied to Loan Originator xxxxxx | Resolved-License not required for state for this product. - Due Diligence Vendor-05/14/2025 <br> Ready for Review-License not required for state for this product. - Seller-05/13/2025 <br> Open-Loan Origination Company xxxxxx Status is Unknown Unable to Verify, Loan Origination Company xxxxxx Status in xxxxxx Lookup. - Due Diligence Vendor-05/09/2025 | Ready for Review-License not required for state for this product. - Seller-05/13/2025 | Resolved-License not required for state for this product. - Due Diligence Vendor-05/14/2025 |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837172 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 837533 | xxxxxx | A | Closed | xxxxxx | 2025-05-28 09:23 | 2025-05-30 07:29 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (10.091%) APR equals or exceeds the Federal HPML threshold of (8.24%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.74%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 431 and the Final Closing disclosure on Pg#'s 220. Rate lock date was entered correctly – see Pg#'s 468. An interior and exterior appraisal was completed for this property – see pg# 35, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 605-610, and confirmation the appraisal was delivered to the borrower – see Pg#'s 290 The loan meets HPML guidelines.<br> - Due Diligence Vendor-05/28/2025 |  | Resolved-The loan's (10.091%) APR equals or exceeds the Federal HPML threshold of (8.24%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.74%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 431 and the Final Closing disclosure on Pg#'s 220. Rate lock date was entered correctly – see Pg#'s 468. An interior and exterior appraisal was completed for this property – see pg# 35, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 605-610, and confirmation the appraisal was delivered to the borrower – see Pg#'s 290 The loan meets HPML guidelines.<br> - Due Diligence Vendor-05/28/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837569 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-29 02:08 | 2025-07-14 14:19 | Waived | 2 - Non-Material B | Credit | Eligibility | Payment shock exceeds guideline | Waived-Exception Waived with compensating factors.<br> Exception Document page 303<br> Exception Reason: OTHER: Payment shock: the new payment exceeds 2.5x the prior payment - Due Diligence Vendor-07/14/2025 |  | Waived-Exception Waived with compensating factors.<br> Exception Document page 303<br> Exception Reason: OTHER: Payment shock: the new payment exceeds 2.5x the prior payment - Due Diligence Vendor-07/14/2025 | Credit Score - Loan File 754, GL Requirement Minimum 740.<br> Residual Income - Loan File $4294.90, GL Requirement Minimum $2500. <br> Housing History - Loan File 0X30X38 months, GL Requirement 0X30X12 months | Credit Score - Loan File 754, GL Requirement Minimum 740.<br> Residual Income - Loan File $4294.90, GL Requirement Minimum $2500. <br> Housing History - Loan File 0X30X38 months, GL Requirement 0X30X12 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 837569 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-03 05:37 | 2025-06-05 07:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-VVOE for Borrower 2 received - Due Diligence Vendor-06/05/2025 <br> Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing Provide the VVOE for Borrower 2 - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-VVOE for Borrower 2 received - Due Diligence Vendor-06/05/2025 <br> Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-06/05/2025 |  |  | xxxxxx _ Company Info & Reviews.pdf<br> xxxxxx 1003.pdf<br> xxxxxx VVOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837569 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-03 00:54 | 2025-06-03 05:12 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 260 and the Final Closing disclosure on Pg#'s 123, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 289. An interior and exterior appraisal was completed for this property – see pg 37, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 345, and confirmation the appraisal was delivered to the borrower – see Pg#'s 299. The loan meets HPML guidelines. - Due Diligence Vendor-06/03/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 260 and the Final Closing disclosure on Pg#'s 123, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 289. An interior and exterior appraisal was completed for this property – see pg 37, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 345, and confirmation the appraisal was delivered to the borrower – see Pg#'s 299. The loan meets HPML guidelines. - Due Diligence Vendor-06/03/2025 <br> Open-The loan's (8.616%) APR equals or exceeds the Federal HPML threshold of (8.24%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.74%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-06/03/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 260 and the Final Closing disclosure on Pg#'s 123, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 289. An interior and exterior appraisal was completed for this property – see pg 37, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 345, and confirmation the appraisal was delivered to the borrower – see Pg#'s 299. The loan meets HPML guidelines. - Due Diligence Vendor-06/03/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 260 and the Final Closing disclosure on Pg#'s 123, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 289. An interior and exterior appraisal was completed for this property – see pg 37, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 345, and confirmation the appraisal was delivered to the borrower – see Pg#'s 299. The loan meets HPML guidelines. - Due Diligence Vendor-06/03/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837569 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-29 02:02 | 2025-06-03 01:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Requested Initial CD Provided hence resolved. - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. - Seller-06/02/2025 <br> Open-TRID: Missing Closing Disclosure Provide Initial Closing Disclosure, related COC and Disclosure Tacking Summary - Due Diligence Vendor-05/29/2025 | Ready for Review-Document Uploaded. - Seller-06/02/2025 | Resolved-Requested Initial CD Provided hence resolved. - Due Diligence Vendor-06/03/2025 |  |  | xxxxxx CC.pdf<br> xxxxxx Tracking.pdf<br> xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838452 | xxxxxx | C A | Closed | xxxxxx | 2025-06-02 22:47 | 2025-06-05 05:56 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Requested Alerts Cleared Report provided hence resolved. - Due Diligence Vendor-06/05/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-06/04/2025 <br> Open-Fraud Report Shows Uncleared Alerts Provide updated fraud report as the provided one on page 367 shows uncleared alerts - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-06/04/2025 | Resolved-Requested Alerts Cleared Report provided hence resolved. - Due Diligence Vendor-06/05/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-06/05/2025 |  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838452 | xxxxxx | C A | Closed | xxxxxx | 2025-06-02 22:27 | 2025-06-04 05:01 | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Requested LCA provided with score of 2.5 hence resolved. - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. xxxxxx SSR - Seller-06/04/2025 <br> Open-For securitization, a second property valuation needs to be provided. File needs a xxxxxx report with scores less than 2.5; or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. xxxxxx SSR - Seller-06/04/2025 | Resolved-Requested LCA provided with score of 2.5 hence resolved. - Due Diligence Vendor-06/04/2025 |  |  | xxxxxx SSR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838452 | xxxxxx | C A | Closed | xxxxxx | 2025-06-02 23:23 | 2025-06-05 10:58 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - Due Diligence Vendor-06/05/2025 <br> Resolved-The loan's (8.804%) APR equals or exceeds the Federal HPML threshold of (8.24%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.74%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #449,456 and the Final Closing disclosure on Pg #168, Finding reflects escrows. Rate lock date was entered correctly – see Pg #470,471. An interior and exterior appraisal was completed for this property – see Pg #31, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #28.27.236.<br> The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/03/2025 |  | Resolved- - Due Diligence Vendor-06/05/2025 <br> Resolved-The loan's (8.804%) APR equals or exceeds the Federal HPML threshold of (8.24%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.74%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #449,456 and the Final Closing disclosure on Pg #168, Finding reflects escrows. Rate lock date was entered correctly – see Pg #470,471. An interior and exterior appraisal was completed for this property – see Pg #31, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #28.27.236.<br> The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/03/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838856 | xxxxxx | A | Closed | xxxxxx | 2025-06-06 03:31 | 2025-06-09 13:43 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.037%) APR equals or exceeds the Federal HPML threshold of (8.3%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 245 and the Final Closing disclosure on Pg# 94 reflects escrows. Rate lock date was entered correctly see Pg# 268 An interior and exterior appraisal was completed for this property – see Page#29 the appraisal disclosure was provided to the borrower(s)- see Pg# 320, and copy of the appraisal was given to the borrower see Pg# 300 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-06/06/2025 |  | Resolved-The loan's (9.037%) APR equals or exceeds the Federal HPML threshold of (8.3%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 245 and the Final Closing disclosure on Pg# 94 reflects escrows. Rate lock date was entered correctly see Pg# 268 An interior and exterior appraisal was completed for this property – see Page#29 the appraisal disclosure was provided to the borrower(s)- see Pg# 320, and copy of the appraisal was given to the borrower see Pg# 300 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-06/06/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838858 | xxxxxx | D A | Closed | xxxxxx | 2025-06-04 05:04 | 2025-06-04 05:12 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 292 and the Final Closing disclosure on page 101 reflects escrows. Rate lock date was entered correctly – see Findings. An interior and exterior appraisal was completed for this property – see page 45, the appraisal disclosure was provided to the borrower(s)- see page 371 and copy of the appraisal was given to the borrower – see page 355-356. The loan meets HPML guidelines. - Due Diligence Vendor-06/04/2025 <br> Open-The loan's (9.236%) APR equals or exceeds the Federal HPML threshold of (8.3%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-06/04/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 292 and the Final Closing disclosure on page 101 reflects escrows. Rate lock date was entered correctly – see Findings. An interior and exterior appraisal was completed for this property – see page 45, the appraisal disclosure was provided to the borrower(s)- see page 371 and copy of the appraisal was given to the borrower – see page 355-356. The loan meets HPML guidelines. - Due Diligence Vendor-06/04/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838858 | xxxxxx | D A | Closed | xxxxxx | 2025-06-04 05:04 | 2025-06-04 05:12 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 292 and the Final Closing disclosure on page 101 reflects escrows. Rate lock date was entered correctly – see Findings. An interior and exterior appraisal was completed for this property – see page 45, the appraisal disclosure was provided to the borrower(s)- see page 371 and copy of the appraisal was given to the borrower – see page 355-356. The loan meets HPML guidelines. - Due Diligence Vendor-06/04/2025 <br> Open-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.236%) equals or exceeds the xxxxxx HPML threshold of (8.3%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.8%).(xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-06/04/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 292 and the Final Closing disclosure on page 101 reflects escrows. Rate lock date was entered correctly – see Findings. An interior and exterior appraisal was completed for this property – see page 45, the appraisal disclosure was provided to the borrower(s)- see page 371 and copy of the appraisal was given to the borrower – see page 355-356. The loan meets HPML guidelines. - Due Diligence Vendor-06/04/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838858 | xxxxxx | D A | Closed | xxxxxx | 2025-05-29 23:56 | 2025-06-04 05:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE, Initial CD, COC and Disclosure Tracking Summary received - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. - Seller-06/03/2025 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. - Seller-06/03/2025 | Resolved-Revised LE, Initial CD, COC and Disclosure Tracking Summary received - Due Diligence Vendor-06/04/2025 |  |  | xxxxxx Tracking.pdf<br> xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838858 | xxxxxx | D A | Closed | xxxxxx | 2025-06-03 10:00 | 2025-06-04 04:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Confirmation of Rate Lock receuved - Due Diligence Vendor-06/04/2025 <br> Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. - Seller-06/03/2025 <br> Open-Evidence of Rate Lock Missing Provide Confirmation of Rate Lock - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. - Seller-06/03/2025 | Resolved-Confirmation of Rate Lock receuved - Due Diligence Vendor-06/04/2025 <br> Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/04/2025 |  |  | xxxxxx Lock.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838859 | xxxxxx | C A | Closed | xxxxxx | 2025-05-30 02:35 | 2025-06-03 06:36 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Revised LE xxxxxx, 2 Revised CD's xxxxxx, Revised CD xxxxxx, COC;s and Tracking Disclosure Summary received. - Due Diligence Vendor-06/03/2025 <br> Resolved-Resolved - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. - Seller-06/02/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees, Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). 01)Loan point Fee on Section A was increased from initial CD amount xxxxxx to Final CD amount xxxxxx. Provide COC.<br> 02)Broker Fee on Section A was increased from initial CD amount xxxxxx to Final CD amount xxxxxx. Provide COC.<br> - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. - Seller-06/02/2025 | Resolved-Revised LE xxxxxx, 2 Revised CD's xxxxxx, Revised CD xxxxxx, COC;s and Tracking Disclosure Summary received. - Due Diligence Vendor-06/03/2025 <br> Resolved-Resolved - Due Diligence Vendor-06/03/2025 |  |  | xxxxxx 5 19 CC.pdf<br> xxxxxx 5 13 CC.pdf<br> xxxxxx CC.pdf<br> xxxxxx Tracking.pdf<br> xxxxxx 5 20 CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 838860 | xxxxxx | D A C | Closed | xxxxxx | 2025-06-10 12:07 | 2025-06-11 10:40 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-06/11/2025 <br> Resolved-received the initial CD's - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. - Seller-06/10/2025 <br> Open-TRID: Missing Closing Disclosure Missing the initial CD - Due Diligence Vendor-06/10/2025 | Ready for Review-Document Uploaded. - Seller-06/10/2025 | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-06/11/2025 <br> Resolved-received the initial CD's - Due Diligence Vendor-06/11/2025 |  |  | xxxxxx Title.pdf<br> xxxxxx Tracking.pdf<br> xxxxxx CD Items.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 838860 | xxxxxx | D A C | Closed | xxxxxx | 2025-06-09 03:42 | 2025-06-11 04:10 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title amount does not covers Loan amount, provided Updated title report, Changes made in system, Finding Resolved - Due Diligence Vendor-06/11/2025 <br> Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. - Seller-06/10/2025 <br> Open-Title Coverage Amount of xxxxxx is Less than Loan Amount. - Due Diligence Vendor-06/09/2025 | Ready for Review-Document Uploaded. - Seller-06/10/2025 | Resolved-Title amount does not covers Loan amount, provided Updated title report, Changes made in system, Finding Resolved - Due Diligence Vendor-06/11/2025 <br> Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-06/11/2025 |  |  | xxxxxx Title.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 838864 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-09 04:42 | 2025-06-16 07:10 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Exception Waived with compensating factors - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. - Seller-06/12/2025 <br> Open-Guidelines do not allow entity to sign note Document Uploaded. Note was signed by xxxxxx on behalf of xxxxxx. Provide Exception - Due Diligence Vendor-06/09/2025 | Ready for Review-Document Uploaded. - Seller-06/12/2025 | Waived-Exception Waived with compensating factors: - Due Diligence Vendor-06/16/2025 | Credit Score- Loan File 786, GL Requirement Min 700<br> Residual Income- Loan File $5702.71, GL Requirement $2500<br> LTV - Loan File 70%, GL Requirement Max 80% | Credit Score- Loan File 786, GL Requirement Min 700<br> Residual Income- Loan File $5702.71, GL Requirement $2500<br> LTV - Loan File 70%, GL Requirement Max 80% | Loan xxxxxx- Note signed by borrower on behalf of Business Entity.png<br> xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 838865 | xxxxxx | D B C A | Closed | xxxxxx | 2025-06-04 13:09 | 2025-07-14 14:04 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception Waived with compensating factors. - Audited LTV of 85% exceeds Guideline LTV of 80% Exception Waived with compensating factors.<br> Exception Document page 441<br> Exception Reason: LTV - Loan File 85%, GL Requirement 80%<br> The LTV exception is related to an overlay for a 5% reduction due to declining market. The exception is to proceed without that overlay. - Due Diligence Vendor-07/14/2025 |  | Waived-Exception Waived with compensating factors-Audited LTV of 85% exceeds Guideline LTV of 80%.<br> Exception Document page 441<br> Exception Reason: LTV - Loan File 85%, GL Requirement 80%<br> The LTV exception is related to an overlay for a 5% reduction due to declining market. The exception is to proceed without that overlay. - Due Diligence Vendor-07/14/2025 | Credit Score- Loan File 725, GL Requirement 700<br> Residual Income- Loan File $4158.60, GL Requirement $1500 + $150 (per dependent \*1)= $1650<br> Housing Payment History- Loan File 0x30x24 months, GL Requirement 0x30x6 months | Credit Score- Loan File 725, GL Requirement 700<br> Residual Income- Loan File $4158.60, GL Requirement $1500 + $150 (per dependent \*1)= $1650<br> Housing Payment History- Loan File 0x30x24 months, GL Requirement 0x30x6 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 838865 | xxxxxx | D B C A | Closed | xxxxxx | 2025-06-04 12:55 | 2025-06-05 08:31 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Supporting documentation of the Gift Funds iao $17,049.75 received - Due Diligence Vendor-06/05/2025 <br> Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. - Seller-06/04/2025 <br> Open-Asset Record 3 Does Not Meet G/L Requirements Per Matrix, When the funds are not transferred prior to closing, it must be documented that the donor gave the closing agent the gift funds in the form of a certified check, a cashier's check, money order, or wire transfer. Provide supporting documentation of the Gift Funds iao $17,049.75 - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. - Seller-06/04/2025 | Resolved-Supporting documentation of the Gift Funds iao $17,049.75 received - Due Diligence Vendor-06/05/2025 <br> Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-06/05/2025 |  |  | Gifts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838865 | xxxxxx | D B C A | Closed | xxxxxx | 2025-06-05 07:14 | 2025-06-05 08:27 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Updated naming convention and COC dates - Due Diligence Vendor-06/05/2025 <br> Resolved- - Due Diligence Vendor-06/05/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-06/05/2025 |  | Resolved-Updated naming convention and COC dates - Due Diligence Vendor-06/05/2025 <br> Resolved- - Due Diligence Vendor-06/05/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838865 | xxxxxx | D B C A | Closed | xxxxxx | 2025-06-05 07:14 | 2025-06-05 08:26 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 409 and the Final Closing disclosure on Pg 301 reflects escrows. Rate lock date was entered correctly – see Pg 452 An interior and exterior appraisal was completed for this property – see pg 38 the appraisal disclosure was provided to the borrower(s)- see Pg 478, and copy of the appraisal was given to the borrower – see Pg 293 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-06/05/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 409 and the Final Closing disclosure on Pg 301 reflects escrows. Rate lock date was entered correctly – see Pg 452 An interior and exterior appraisal was completed for this property – see pg 38 the appraisal disclosure was provided to the borrower(s)- see Pg 451, and copy of the appraisal was given to the borrower – see Pg 38 for the copy of the disclosure. The loan meets HPML guidelines.<br> - Due Diligence Vendor-06/05/2025 <br> Open-The loan's (10.445%) APR equals or exceeds the Federal HPML threshold of (8.3%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-06/05/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 409 and the Final Closing disclosure on Pg 301 reflects escrows. Rate lock date was entered correctly – see Pg 452 An interior and exterior appraisal was completed for this property – see pg 38 the appraisal disclosure was provided to the borrower(s)- see Pg 478, and copy of the appraisal was given to the borrower – see Pg 293 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-06/05/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 409 and the Final Closing disclosure on Pg 301 reflects escrows. Rate lock date was entered correctly – see Pg 452 An interior and exterior appraisal was completed for this property – see pg 38 the appraisal disclosure was provided to the borrower(s)- see Pg 451, and copy of the appraisal was given to the borrower – see Pg 38 for the copy of the disclosure. The loan meets HPML guidelines.<br> - Due Diligence Vendor-06/05/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838865 | xxxxxx | D B C A | Closed | xxxxxx | 2025-06-05 07:14 | 2025-06-05 08:22 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Corrected Closing Disclosure (Loan Product)(Last CD Received Date) | Resolved-Updated from FIXED RATE to Fixed Rate - Due Diligence Vendor-06/05/2025 <br> Resolved- - Due Diligence Vendor-06/05/2025 <br> Open-The last Closing Disclosure Received Date xxxxxx is not at least 3 business days before the consummation date of (xxxxxx). The (FIXED RATE) disclosed Loan Product on the last Closing Disclosure does not match the system calculated (Fixed Rate) Loan Product. Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than 3 business days before the consummation date of (xxxxxx). If a corrected Closing Disclosure is not provided in person, a consumer is deemed to have received it 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(2)(ii)(B); OSC 19(f)(2)(ii)-1) - Due Diligence Vendor-06/05/2025 |  | Resolved-Updated from FIXED RATE to Fixed Rate - Due Diligence Vendor-06/05/2025 <br> Resolved- - Due Diligence Vendor-06/05/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838865 | xxxxxx | D B C A | Closed | xxxxxx | 2025-06-05 07:14 | 2025-06-05 08:22 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Inaccurate Loan Product - Redisclosure and Waiting Period | Resolved-Updated from FIXED RATE to Fixed Rate - Due Diligence Vendor-06/05/2025 <br> Resolved- - Due Diligence Vendor-06/05/2025 <br> Open-The Loan Product of (FIXED RATE) on the Closing Disclosure is inaccurate. The actual Loan Product is (Fixed Rate). Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than 3 business days before the consummation date of (xxxxxx). If a corrected Closing Disclosure is delivered to a consumer other than in person, a consumer is deemed to have received it 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii); 1026.19(f)(2)(ii)(B)) - Due Diligence Vendor-06/05/2025 |  | Resolved-Updated from FIXED RATE to Fixed Rate - Due Diligence Vendor-06/05/2025 <br> Resolved- - Due Diligence Vendor-06/05/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838865 | xxxxxx | D B C A | Closed | xxxxxx | 2025-06-04 13:12 | 2025-06-05 08:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-06/05/2025 <br> Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. - Seller-06/04/2025 <br> Open-Evidence of Rate Lock Missing Provide Confirmation of Rate Lock - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. - Seller-06/04/2025 | Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-06/05/2025 <br> Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/05/2025 |  |  | xxxxxx Lock.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838865 | xxxxxx | D B C A | Closed | xxxxxx | 2025-06-04 01:47 | 2025-06-05 07:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial Closing Disclosure missing in file, Provided the same, Finding Resolved - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. - Seller-06/04/2025 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. - Seller-06/04/2025 | Resolved-Initial Closing Disclosure missing in file, Provided the same, Finding Resolved - Due Diligence Vendor-06/05/2025 |  |  | xxxxxx Tracking.pdf<br> xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838868 | xxxxxx | D A | Closed | xxxxxx | 2025-06-13 12:00 | 2025-06-13 12:20 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _498___ and the Final Closing disclosure on Pg#'s _309___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __Findings___ An interior and exterior appraisal was completed for this property – see pg _19___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_579__ , and copy of the appraisal was given to the borrower – see Pg#'s __597___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-06/13/2025 <br> Open-The loan's (10.201%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-06/13/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _498___ and the Final Closing disclosure on Pg#'s _309___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __Findings___ An interior and exterior appraisal was completed for this property – see pg _19___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_579__ , and copy of the appraisal was given to the borrower – see Pg#'s __597___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-06/13/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838868 | xxxxxx | D A | Closed | xxxxxx | 2025-06-11 12:32 | 2025-06-13 12:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-The initial CD was provided - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. - Seller-06/12/2025 <br> Open-TRID: Missing Closing Disclosure Provide the initial CD plus all COC's - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. - Seller-06/12/2025 | Resolved-The initial CD was provided - Due Diligence Vendor-06/13/2025 |  |  | xxxxxx Tracking.pdf<br> xxxxxx CD Items.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838868 | xxxxxx | D A | Closed | xxxxxx | 2025-06-13 12:00 | 2025-06-13 12:03 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-The COC was provided - Due Diligence Vendor-06/13/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Document Preparation Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-06/13/2025 |  | Resolved-The COC was provided - Due Diligence Vendor-06/13/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838868 | xxxxxx | D A | Closed | xxxxxx | 2025-06-11 12:22 | 2025-06-13 11:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. - Seller-06/12/2025 <br> Open-Evidence of Rate Lock Missing - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. - Seller-06/12/2025 | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/13/2025 |  |  | xxxxxx Lock.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838870 | xxxxxx | D A | Closed | xxxxxx | 2025-06-05 02:54 | 2025-06-09 01:59 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE, Initial CD, COC and Disclosure Tracking Summary received - Due Diligence Vendor-06/09/2025 <br> Ready for Review-Document Uploaded. - Seller-06/06/2025 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. - Seller-06/06/2025 | Resolved-Revised LE, Initial CD, COC and Disclosure Tracking Summary received - Due Diligence Vendor-06/09/2025 |  |  | xxxxxx Tracking.pdf<br> xxxxxx CD Items.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838871 | xxxxxx | D A | Closed | xxxxxx | 2025-06-19 09:34 | 2025-06-23 12:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Final closing disclosure and COC received. Resolved. - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. - Seller-06/19/2025 <br> Open-TRID: Missing Closing Disclosure Missing the initial CD and any COC's - Due Diligence Vendor-06/19/2025 | Ready for Review-Document Uploaded. - Seller-06/19/2025 | Resolved-Final closing disclosure and COC received. Resolved. - Due Diligence Vendor-06/23/2025 |  |  | xxxxxx CD Items.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838871 | xxxxxx | D A | Closed | xxxxxx | 2025-06-19 09:19 | 2025-06-23 10:51 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Received evidence of rate lock. Resolved - Due Diligence Vendor-06/23/2025 <br> Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. - Seller-06/19/2025 <br> Open-Evidence of Rate Lock Missing - Due Diligence Vendor-06/19/2025 | Ready for Review-Document Uploaded. - Seller-06/19/2025 | Resolved-Received evidence of rate lock. Resolved - Due Diligence Vendor-06/23/2025 <br> Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/23/2025 |  |  | xxxxxx Lock.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838871 | xxxxxx | D A | Closed | xxxxxx | 2025-06-19 09:15 | 2025-06-20 04:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Borrower 1 ITIN Information | Resolved- Citizenship Identification Documentation Missing, provided ITIN Card, Changes made in system Finding Resolved - Due Diligence Vendor-06/20/2025 <br> Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-06/20/2025 <br> Ready for Review-Document Uploaded. - Seller-06/19/2025 <br> Open-Borrower 1 ITIN information Missing. Please provide acceptable documentation. - Due Diligence Vendor-06/19/2025 | Ready for Review-Document Uploaded. - Seller-06/19/2025 | Resolved- Citizenship Identification Documentation Missing, provided ITIN Card, Changes made in system Finding Resolved - Due Diligence Vendor-06/20/2025 <br> Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-06/20/2025 |  |  | xxxxxx ITIN Card.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838871 | xxxxxx | D A | Closed | xxxxxx | 2025-06-17 03:30 | 2025-06-20 04:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved- Citizenship Identification Documentation Missing, provided ITIN Card, Changes made in system Finding Resolved - Due Diligence Vendor-06/20/2025 <br> Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-06/20/2025 <br> Ready for Review-Document Uploaded. - Seller-06/19/2025 <br> Open-Borrower 1 Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Borrower 1 Non-US Citizen Identification Document Missing, Required Visa or Passport or ITIN. - Due Diligence Vendor-06/17/2025 | Ready for Review-Document Uploaded. - Seller-06/19/2025 | Resolved- Citizenship Identification Documentation Missing, provided ITIN Card, Changes made in system Finding Resolved - Due Diligence Vendor-06/20/2025 <br> Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-06/20/2025 |  |  | xxxxxx ITIN Card.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838873 | xxxxxx | A | Closed | xxxxxx | 2025-06-09 00:49 | 2025-06-10 12:57 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.101%) APR equals or exceeds the Federal HPML threshold of (8.3%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s443 and the Final Closing disclosure on Pg#'s225. Rate lock date was entered correctly – see Pg#'s 470. An interior and exterior appraisal was completed for this property – see pg# 32, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 552-553, and confirmation the appraisal was delivered to the borrower – see Pg#'s 294. The loan meets HPML guidelines. - Due Diligence Vendor-06/09/2025 |  | Resolved-The loan's (9.101%) APR equals or exceeds the Federal HPML threshold of (8.3%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s443 and the Final Closing disclosure on Pg#'s225. Rate lock date was entered correctly – see Pg#'s 470. An interior and exterior appraisal was completed for this property – see pg# 32, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 552-553, and confirmation the appraisal was delivered to the borrower – see Pg#'s 294. The loan meets HPML guidelines. - Due Diligence Vendor-06/09/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838879 | xxxxxx | D A C | Closed | xxxxxx | 2025-06-06 00:08 | 2025-06-12 10:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-the initial CD's were provided - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. - Seller-06/12/2025 <br> Open-TRID: Missing Closing Disclosure Initial Cd is missing in the file. Provide initial CD - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. - Seller-06/12/2025 | Resolved-the initial CD's were provided - Due Diligence Vendor-06/12/2025 |  |  | xxxxxx Tracking.pdf<br> xxxxxx CD items.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838879 | xxxxxx | D A C | Closed | xxxxxx | 2025-06-12 10:06 | 2025-06-12 10:17 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _646___ and the Final Closing disclosure on Pg#'s _254___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _664____ An interior and exterior appraisal was completed for this property – see pg _15___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_714__ , and copy of the appraisal was given to the borrower – see Pg#'s __519___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-06/12/2025 <br> Open-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (9.002%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (8.3%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.8%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-06/12/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _646___ and the Final Closing disclosure on Pg#'s _254___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _664____ An interior and exterior appraisal was completed for this property – see pg _15___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_714__ , and copy of the appraisal was given to the borrower – see Pg#'s __519___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-06/12/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838879 | xxxxxx | D A C | Closed | xxxxxx | 2025-06-12 10:06 | 2025-06-12 10:17 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _646___ and the Final Closing disclosure on Pg#'s _254___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _664____ An interior and exterior appraisal was completed for this property – see pg _15___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_714__ , and copy of the appraisal was given to the borrower – see Pg#'s __519___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-06/12/2025 <br> Open-The loan's (9.001%) APR equals or exceeds the Federal HPML threshold of (8.3%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-06/12/2025 <br> Open-The loan's (9.002%) APR equals or exceeds the Federal HPML threshold of (8.3%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-06/12/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _646___ and the Final Closing disclosure on Pg#'s _254___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _664____ An interior and exterior appraisal was completed for this property – see pg _15___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_714__ , and copy of the appraisal was given to the borrower – see Pg#'s __519___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-06/12/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838879 | xxxxxx | D A C | Closed | xxxxxx | 2025-06-12 10:06 | 2025-06-12 10:10 | Resolved | 1 - Information A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-the COC was provided - Due Diligence Vendor-06/12/2025 <br> Rescinded- - Due Diligence Vendor-06/12/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Commitment (Rate Lock) Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-06/12/2025 |  | Resolved-the COC was provided - Due Diligence Vendor-06/12/2025 <br> Rescinded- - Due Diligence Vendor-06/12/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838879 | xxxxxx | D A C | Closed | xxxxxx | 2025-06-05 23:14 | 2025-06-12 09:50 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-A 12 month pay history was provided. - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. 11 months at time of app, but VOR shows 1 year and we have 12 months of pay history. - Seller-06/12/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Borrower is renting xxxxxx for 11 months and was verified with a VOM . As per GL need 12 months reviewed months . Provide VOR for the property xxxxxx - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. 11 months at time of app, but VOR shows 1 year and we have 12 months of pay history. - Seller-06/12/2025 | Resolved-A 12 month pay history was provided. - Due Diligence Vendor-06/12/2025 |  |  | VOR and pay history.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838880 | xxxxxx | D A | Closed | xxxxxx | 2025-06-10 07:21 | 2025-06-13 02:59 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial Cd is missing in file, Updated Initial Cd and revised LE provided, changes made in system, Finding Resolved<br> - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. - Seller-06/12/2025 <br> Open-TRID: Missing Closing Disclosure Initial CD missing in the file. - Due Diligence Vendor-06/10/2025 | Ready for Review-Document Uploaded. - Seller-06/12/2025 | Resolved-Initial Cd is missing in file, Updated Initial Cd and revised LE provided, changes made in system, Finding Resolved<br> - Due Diligence Vendor-06/13/2025 |  |  | xxxxxx 5 8 CC.pdf<br> xxxxxx 5 23 CC.pdf<br> xxxxxx 5 29 CC.pdf<br> xxxxxx CD items.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 838880 | xxxxxx | D A | Closed | xxxxxx | 2025-06-10 07:16 | 2025-06-13 02:59 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Rate Lock is missing in file, Updated DOT provided, changes made in system, Finding Resolved<br> - Due Diligence Vendor-06/13/2025 <br> Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. - Seller-06/12/2025 <br> Open-Evidence of Rate Lock Missing - Due Diligence Vendor-06/10/2025 | Ready for Review-Document Uploaded. - Seller-06/12/2025 | Resolved-Rate Lock is missing in file, Updated DOT provided, changes made in system, Finding Resolved<br> - Due Diligence Vendor-06/13/2025 <br> Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/13/2025 |  |  | xxxxxx Lock.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 838880 | xxxxxx | D A | Closed | xxxxxx | 2025-06-13 02:57 | 2025-06-13 02:57 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.51%) APR equals or exceeds the Federal HPML threshold of (8.24%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.74%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 431 and the Final Closing disclosure on Pg 317 reflects escrows. Rate lock date was entered correctly – see Pg findings An interior and exterior appraisal was completed for this property – see pg 41 to 47 the appraisal disclosure was provided to the borrower(s)- see Pg 440, and copy of the appraisal was given to the borrower – see Pg 18 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-06/13/2025 |  | Resolved-The loan's (8.51%) APR equals or exceeds the Federal HPML threshold of (8.24%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.74%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 431 and the Final Closing disclosure on Pg 317 reflects escrows. Rate lock date was entered correctly – see Pg findings An interior and exterior appraisal was completed for this property – see pg 41 to 47 the appraisal disclosure was provided to the borrower(s)- see Pg 440, and copy of the appraisal was given to the borrower – see Pg 18 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-06/13/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 838881 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-04 08:42 | 2025-07-14 14:05 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception Waived with compensating factors. - Audited Reserves of 4.18 month(s) are less than Guideline Required Reserves of 6 month(s) Exception Waived with compensating factors.<br> Exception Document page 376<br> Exception Reason: Reserves- Loan File 4.18 months, GL Requirement 3 months + 3 addt'l months due to incomplete housing history= 6 months - Due Diligence Vendor-07/14/2025 |  | Waived-Exception Waived with compensating factors-Audited Reserves of 4.18 month(s) are less than Guideline Required Reserves of 6 month(s) <br> Exception Document page 376<br> Exception Reason: Reserves- Loan File 4.18 months, GL Requirement 3 months + 3 addt'l months due to incomplete housing history= 6 months - Due Diligence Vendor-07/14/2025 | Credit Score- Loan File 751, GL Requirement Min 700<br> DTI- Loan File 36.97%, GL Requirement Max 50%<br> Residual Income- Loan File $4,916.23, GL Requirement $1,500 + $150 (\*1 per dependent) = $1650 | Credit Score- Loan File 751, GL Requirement Min 700<br> DTI- Loan File 36.97%, GL Requirement Max 50%<br> Residual Income- Loan File $4,916.23, GL Requirement $1,500 + $150 (\*1 per dependent) = $1650 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 838881 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-05 07:01 | 2025-06-05 07:52 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 321 and the Final Closing disclosure on Pg 98 reflects escrows. Rate lock date was entered correctly – see Pg 347 An interior and exterior appraisal was completed for this property – see pg 37 the appraisal disclosure was provided to the borrower(s)- see Pg 396-398, and copy of the appraisal was given to the borrower – see Pg 373 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-06/05/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 321 and the Final Closing disclosure on Pg 98 reflects escrows. Rate lock date was entered correctly – see Pg 347 An interior and exterior appraisal was completed for this property – see pg 44 to 48 the appraisal disclosure was provided to the borrower(s)- see Pg 346, and copy of the appraisal was given to the borrower – see Pg 35 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-06/05/2025 <br> Open-The loan's (8.614%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-06/05/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 321 and the Final Closing disclosure on Pg 98 reflects escrows. Rate lock date was entered correctly – see Pg 347 An interior and exterior appraisal was completed for this property – see pg 37 the appraisal disclosure was provided to the borrower(s)- see Pg 396-398, and copy of the appraisal was given to the borrower – see Pg 373 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-06/05/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 321 and the Final Closing disclosure on Pg 98 reflects escrows. Rate lock date was entered correctly – see Pg 347 An interior and exterior appraisal was completed for this property – see pg 44 to 48 the appraisal disclosure was provided to the borrower(s)- see Pg 346, and copy of the appraisal was given to the borrower – see Pg 35 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-06/05/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838881 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-05 07:01 | 2025-06-05 07:52 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 321 and the Final Closing disclosure on Pg 98 reflects escrows. Rate lock date was entered correctly – see Pg 347 An interior and exterior appraisal was completed for this property – see pg 37 the appraisal disclosure was provided to the borrower(s)- see Pg 396-398, and copy of the appraisal was given to the borrower – see Pg 373 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-06/05/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 321 and the Final Closing disclosure on Pg 98 reflects escrows. Rate lock date was entered correctly – see Pg 347 An interior and exterior appraisal was completed for this property – see pg 44 to 48 the appraisal disclosure was provided to the borrower(s)- see Pg 346, and copy of the appraisal was given to the borrower – see Pg 35 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-06/05/2025 <br> Open-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.614%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.87%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-06/05/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 321 and the Final Closing disclosure on Pg 98 reflects escrows. Rate lock date was entered correctly – see Pg 347 An interior and exterior appraisal was completed for this property – see pg 37 the appraisal disclosure was provided to the borrower(s)- see Pg 396-398, and copy of the appraisal was given to the borrower – see Pg 373 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-06/05/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 321 and the Final Closing disclosure on Pg 98 reflects escrows. Rate lock date was entered correctly – see Pg 347 An interior and exterior appraisal was completed for this property – see pg 44 to 48 the appraisal disclosure was provided to the borrower(s)- see Pg 346, and copy of the appraisal was given to the borrower – see Pg 35 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-06/05/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838881 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-05 07:01 | 2025-06-05 07:47 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Updated naming convention on disclosures - Due Diligence Vendor-06/05/2025 <br> Open-Discount Point and Credit Report fees are increased and there is no coc to cure the tolerance - Due Diligence Vendor-06/05/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Credit Report Fee, Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-06/05/2025 |  | Resolved-Updated naming convention on disclosures - Due Diligence Vendor-06/05/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838881 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-04 08:49 | 2025-06-05 07:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-06/05/2025 <br> Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. - Seller-06/04/2025 <br> Open-Evidence of Rate Lock Missing Provide Confirmation of Rate Lock - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. - Seller-06/04/2025 | Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-06/05/2025 <br> Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/05/2025 |  |  | xxxxxx Lock.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838881 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-03 03:20 | 2025-06-05 06:59 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial Closing Disclosure missing in file, Provided the same, Finding Resolved<br> - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. - Seller-06/04/2025 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. - Seller-06/04/2025 | Resolved-Initial Closing Disclosure missing in file, Provided the same, Finding Resolved<br> - Due Diligence Vendor-06/05/2025 |  |  | xxxxxx Tracking.pdf<br> xxxxxx CD items.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838882 | xxxxxx | D A | Closed | xxxxxx | 2025-06-13 12:45 | 2025-06-13 12:54 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _268___ and the Final Closing disclosure on Pg#'s _124___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __293___ An interior and exterior appraisal was completed for this property – see pg _25___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_343_ , and copy of the appraisal was given to the borrower – see Pg#'s __308___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-06/13/2025 <br> Open-The loan's (9.513%) APR equals or exceeds the Federal HPML threshold of (8.3%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-06/13/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _268___ and the Final Closing disclosure on Pg#'s _124___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __293___ An interior and exterior appraisal was completed for this property – see pg _25___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_343_ , and copy of the appraisal was given to the borrower – see Pg#'s __308___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-06/13/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838882 | xxxxxx | D A | Closed | xxxxxx | 2025-06-12 15:11 | 2025-06-13 12:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-provided the initial CD's - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. - Seller-06/12/2025 <br> Open-TRID: Missing Closing Disclosure Provide the initial Closing Disclosure - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. - Seller-06/12/2025 | Resolved-provided the initial CD's - Due Diligence Vendor-06/13/2025 |  |  | CD Docs.pdf<br> xxxxxx Tracking.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838884 | xxxxxx | D A | Closed | xxxxxx | 2025-06-09 11:40 | 2025-06-10 09:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. - Seller-06/09/2025 <br> Open-Evidence of Rate Lock Missing - Due Diligence Vendor-06/09/2025 | Ready for Review-Document Uploaded. - Seller-06/09/2025 | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/10/2025 |  |  | xxxxxx Lock.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838884 | xxxxxx | D A | Closed | xxxxxx | 2025-06-06 00:25 | 2025-06-10 06:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Homeowners Association Questionnaire | Resolved-Requested HOA Questionnaire Document Provided hence resolved. - Due Diligence Vendor-06/10/2025 <br> Resolved-HOA Questionnaire is Present - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. - Seller-06/09/2025 <br> Open-HOA Questionnaire is Missing or Partial. provide the HOA Questionaire - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. - Seller-06/09/2025 | Resolved-Requested HOA Questionnaire Document Provided hence resolved. - Due Diligence Vendor-06/10/2025 <br> Resolved-HOA Questionnaire is Present - Due Diligence Vendor-06/10/2025 |  |  | xxxxxx Questionnaire.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838884 | xxxxxx | D A | Closed | xxxxxx | 2025-06-06 01:44 | 2025-06-10 05:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Requested Initial CD Provided hence resolved. - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. - Seller-06/09/2025 <br> Open-TRID: Missing Closing Disclosure Initial Closing Disclosure is missing in file unable to run the compliance. - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. - Seller-06/09/2025 | Resolved-Requested Initial CD Provided hence resolved. - Due Diligence Vendor-06/10/2025 |  |  | xxxxxx CD.pdf<br> xxxxxx Tracking.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838884 | xxxxxx | D A | Closed | xxxxxx | 2025-06-10 05:33 | 2025-06-10 05:35 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 318 and the Final Closing disclosure on Pg#'s 111, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s Findings. An interior and exterior appraisal was completed for this property – see pg 21, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 378, and confirmation the appraisal was delivered to the borrower – see Pg#'s 265. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/10/2025 <br> Open-The loan's (9.104%) APR equals or exceeds the Federal HPML threshold of (8.3%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-06/10/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 318 and the Final Closing disclosure on Pg#'s 111, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s Findings. An interior and exterior appraisal was completed for this property – see pg 21, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 378, and confirmation the appraisal was delivered to the borrower – see Pg#'s 265. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/10/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838884 | xxxxxx | D A | Closed | xxxxxx | 2025-06-10 05:33 | 2025-06-10 05:35 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 318 and the Final Closing disclosure on Pg#'s 111, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s Findings. An interior and exterior appraisal was completed for this property – see pg 21, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 378, and confirmation the appraisal was delivered to the borrower – see Pg#'s 265. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/10/2025 <br> Open-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (9.104%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (8.3%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.8%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-06/10/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 318 and the Final Closing disclosure on Pg#'s 111, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s Findings. An interior and exterior appraisal was completed for this property – see pg 21, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 378, and confirmation the appraisal was delivered to the borrower – see Pg#'s 265. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/10/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838885 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-05 22:04 | 2025-07-14 14:07 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception Waived with compensating factors. - Audited Reserves of 3.63 month(s) are less than Guideline Required Reserves of 6 month(s) <br> Exception Document page 279.<br> Exception Reason: Reserves Loan File 3.63 month, GL Requirement min 6 months - Due Diligence Vendor-07/14/2025 |  | Waived-Exception Waived with compensating factors-Audited Reserves of 3.63 month(s) are less than Guideline Required Reserves of 6 month(s)<br> Exception Document page 279.<br> Exception Reason: Reserves Loan File 3.63 month, GL Requirement min 6 months - Due Diligence Vendor-07/14/2025 | DTI - Loan File 36.14%, GL Requirement Max 50%.<br> Residual Income - Loan File $8,236.35, GL Requirement Min $2500. <br> Housing History- Loan File 0X30X60 months, GL Requirement 0X30X12 months. | DTI - Loan File 36.14%, GL Requirement Max 50%.<br> Residual Income - Loan File $8,236.35, GL Requirement Min $2500. <br> Housing History- Loan File 0X30X60 months, GL Requirement 0X30X12 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 838885 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-05 21:49 | 2025-06-13 07:14 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-Revised LE's, Initial CD dated xxxxxx, COC and Disclosure Tracking Summary received - Due Diligence Vendor-06/13/2025 <br> Resolved-Resolved - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. - Seller-06/12/2025 <br> Open-The Initial Closing Disclosure Received Date of (xxxxxx) is not three business days before the consummation date of (xxxxxx). Three business days before the consummation date is (xxxxxx). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The provided Initial Closing Disclosure xxxxxx not 3 business days before the consummation date of xxxxxx. - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. - Seller-06/12/2025 | Resolved-Revised LE's, Initial CD dated xxxxxx, COC and Disclosure Tracking Summary received - Due Diligence Vendor-06/13/2025 <br> Resolved-Resolved - Due Diligence Vendor-06/13/2025 |  |  | xxxxxx Tracking.pdf<br> xxxxxx CD Items.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838892 | xxxxxx | A | Closed | xxxxxx | 2025-06-09 22:50 | 2025-06-10 10:34 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.643%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 290 and the Final Closing disclosure on Pg# 96 reflects escrows. Rate lock date was entered correctly see Pg.'s 319 An interior and exterior appraisal was completed for this property – see pg. 31 the appraisal disclosure was provided to the borrower(s)- see Pg#370 and copy of the appraisal was given to the borrower see Pg# 30 for the copy of the disclosure, ECOA disclosure page no #30. The loan meets HPML guidelines." <br> - Due Diligence Vendor-06/10/2025 |  | Resolved-The loan's (9.643%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 290 and the Final Closing disclosure on Pg# 96 reflects escrows. Rate lock date was entered correctly see Pg.'s 319 An interior and exterior appraisal was completed for this property – see pg. 31 the appraisal disclosure was provided to the borrower(s)- see Pg#370 and copy of the appraisal was given to the borrower see Pg# 30 for the copy of the disclosure, ECOA disclosure page no #30. The loan meets HPML guidelines." <br> - Due Diligence Vendor-06/10/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838895 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-09 08:55 | 2025-07-14 14:08 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception Waived with compensating factors - Audited Reserves of 4.84 month(s) are less than Guideline Required Reserves of 6 month(s) <br> Exception Document page 369<br> Exception Reason: Reserves - Loan File 4.84 months, GL Requirement 3 months + 3 additional reserves due to incomplete housing history= 6 months - Due Diligence Vendor-07/14/2025 |  | Waived-Exception Waived with compensating factors-Audited Reserves of 4.84 month(s) are less than Guideline Required Reserves of 6 month(s) <br> Exception Document page 369<br> Exception Reason: Reserves - Loan File 4.84 months, GL Requirement 3 months + 3 additional reserves due to incomplete housing history= 6 months - Due Diligence Vendor-07/14/2025 | DTI- Loan File 23.17%, GL Requirement Max 50%<br> Residual Income- Loan File $6,146.67, GL Requirement $1500 + $150 per dependent= $1650<br> Borrower Contribution - Loan File 20%, GL Requirement 10%<br> Job Stability - Loan File 3 yrs 9 months, GL Requirement Min 1 yr | DTI- Loan File 23.17%, GL Requirement Max 50%<br> Residual Income- Loan File $6,146.67, GL Requirement $1500 + $150 per dependent= $1650<br> Borrower Contribution - Loan File 20%, GL Requirement 10%<br> Job Stability - Loan File 3 yrs 9 months, GL Requirement Min 1 yr |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 838895 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-10 04:04 | 2025-06-10 05:42 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Updated the naming convention on the Initial CD - Due Diligence Vendor-06/10/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Review Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-06/10/2025 |  | Resolved-Updated the naming convention on the Initial CD - Due Diligence Vendor-06/10/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838895 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-09 09:00 | 2025-06-10 05:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-06/10/2025 <br> Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. - Seller-06/09/2025 <br> Open-Evidence of Rate Lock Missing Provide Confirmation of Rate Lock - Due Diligence Vendor-06/09/2025 | Ready for Review-Document Uploaded. - Seller-06/09/2025 | Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-06/10/2025 <br> Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/10/2025 |  |  | xxxxxx Lock.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838895 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-05 05:26 | 2025-06-10 04:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD and Disclosure Tracking Summary received - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. - Seller-06/09/2025 <br> Open-TRID: Missing Closing Disclosure Provide Initial Closing Disclosure, related COC and Disclosure Tracking Summary - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. - Seller-06/09/2025 | Resolved-Initial CD and Disclosure Tracking Summary received - Due Diligence Vendor-06/10/2025 |  |  | xxxxxx Tracking.pdf<br> xxxxxx CD items.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838895 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-10 04:04 | 2025-06-10 04:14 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 358 and the Final Closing disclosure on Pg#'s 195. Rate lock date was entered correctly – see Pg#'s Findings. An interior and exterior appraisal was completed for this property – see pg 38, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 456, 458 and confirmation the appraisal was delivered to the borrower – see Pg#'s 237 The loan meets HPML guidelines. - Due Diligence Vendor-06/10/2025 <br> Open-The loan's (9.341%) APR equals or exceeds the Federal HPML threshold of (8.3%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-06/10/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 358 and the Final Closing disclosure on Pg#'s 195. Rate lock date was entered correctly – see Pg#'s Findings. An interior and exterior appraisal was completed for this property – see pg 38, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 456, 458 and confirmation the appraisal was delivered to the borrower – see Pg#'s 237 The loan meets HPML guidelines. - Due Diligence Vendor-06/10/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838896 | xxxxxx | D A | Closed | xxxxxx | 2025-06-10 05:09 | 2025-06-10 06:31 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Updated the Prepaid Interest Date from 5/29/2024 to 5/29/2025 - Due Diligence Vendor-06/10/2025 <br> Resolved-Resolved - Due Diligence Vendor-06/10/2025 <br> Open-The disclosed finance charge ($834,242.42) is ($200.00) below the actual finance charge($834,442.42). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) - Due Diligence Vendor-06/10/2025 |  | Resolved-Updated the Prepaid Interest Date from 5/29/2024 to 5/29/2025 - Due Diligence Vendor-06/10/2025 <br> Resolved-Resolved - Due Diligence Vendor-06/10/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838896 | xxxxxx | D A | Closed | xxxxxx | 2025-06-10 05:09 | 2025-06-10 06:19 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 241 and the Final Closing disclosure on Pg#'s 106. Rate lock date was entered correctly – see Pg#'s 261. An interior and exterior appraisal was completed for this property – see pg 30, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 298, and confirmation the appraisal was delivered to the borrower – see Pg#'s 139, 141. The loan meets HPML guidelines. - Due Diligence Vendor-06/10/2025 <br> Open-The loan's (8.618%) APR equals or exceeds the Federal HPML threshold of (8.3%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-06/10/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 241 and the Final Closing disclosure on Pg#'s 106. Rate lock date was entered correctly – see Pg#'s 261. An interior and exterior appraisal was completed for this property – see pg 30, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 298, and confirmation the appraisal was delivered to the borrower – see Pg#'s 139, 141. The loan meets HPML guidelines. - Due Diligence Vendor-06/10/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838896 | xxxxxx | D A | Closed | xxxxxx | 2025-06-10 05:09 | 2025-06-10 06:18 | Resolved | 1 - Information C A | Compliance | Tolerance:APR | Federal - Closed End APR Disclosure Tolerance (Regular) | Resolved-Updated the Prepaid Interest Date from 5/29/2024 to 5/29/2025 - Due Diligence Vendor-06/10/2025 <br> Open-The (8.618%) disclosed APR exceeds the actual APR of (7.7999%) by more than .125%. The ($834,242.42) disclosed finance charge does not exceed the actual finance charge of ($834,242.42); so the overdisclosed APR is not based upon an overdisclosed finance charge amount. Under Regulation Z, if the APR is inaccurate, a consumer must receive a corrected Closing Disclosure no later than 3 business days before consummation. If a corrected Closing Disclosure is delivered to a consumer other than in person, a consumer is deemed to have received it 3 business days after it is mailed or delivered. (12 CFR 1026.17(f); 1026.38; 1026.19(f); 1026.22(a)(2); OSC 17(c)(2)(ii)-1) Finance charge is matching but still APR is exceeding, The (8.618%) disclosed APR exceeds the actual APR of (7.7999%) by more than 0.125%. - Due Diligence Vendor-06/10/2025 <br> Open-The (8.618%) disclosed APR exceeds the actual APR of (7.804%) by more than .125%. The ($834,242.42) disclosed finance charge does not exceed the actual finance charge of ($834,442.42); so the overdisclosed APR is not based upon an overdisclosed finance charge amount. Under Regulation Z, if the APR is inaccurate, a consumer must receive a corrected Closing Disclosure no later than 3 business days before consummation. If a corrected Closing Disclosure is delivered to a consumer other than in person, a consumer is deemed to have received it 3 business days after it is mailed or delivered. (12 CFR 1026.17(f); 1026.38; 1026.19(f); 1026.22(a)(2); OSC 17(c)(2)(ii)-1) - Due Diligence Vendor-06/10/2025 |  | Resolved-Updated the Prepaid Interest Date from 5/29/2024 to 5/29/2025 - Due Diligence Vendor-06/10/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838896 | xxxxxx | D A | Closed | xxxxxx | 2025-06-10 05:09 | 2025-06-10 06:18 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Inaccurate APR Redisclosure and Waiting Period (Over-Disclosure) | Resolved-Updated the Prepaid Interest Date from 5/29/2024 to 5/29/2025 - Due Diligence Vendor-06/10/2025 <br> Open-The (8.618%) disclosed APR exceeds the actual APR of (7.7999%) by more than .125%. The ($834,242.42) disclosed finance charge does not exceed the actual finance charge of ($834,242.42); so the overdisclosed APR is not based upon an overdisclosed finance charge amount. Under Regulation Z, if the APR is inaccurate, a consumer must receive a corrected Closing Disclosure no later than 3 business days before consummation. If a corrected Closing Disclosure is delivered to a consumer other than in person, a consumer is deemed to have received it 3 business days after it is mailed or delivered. (12 CFR 1026.17(f); 1026.38; 1026.19(f); 1026.22(a)(2); OSC 17(c)(2)(ii)-1) Finance charge is matching but still APR is exceeding, The (8.618%) disclosed APR exceeds the actual APR of (7.7999%) by more than 0.125%. - Due Diligence Vendor-06/10/2025 <br> Open-The (8.618%) disclosed APR exceeds the actual APR of (7.804%) by more than .125%. The ($834,242.42) disclosed finance charge does not exceed the actual finance charge of ($834,442.42); so the overdisclosed APR is not based upon an overdisclosed finance charge amount. Under Regulation Z, if the APR is inaccurate, a consumer must receive a corrected Closing Disclosure no later than 3 business days before consummation. If a corrected Closing Disclosure is delivered to a consumer other than in person, a consumer is deemed to have received it 3 business days after it is mailed or delivered. (12 CFR 1026.17(f); 1026.38; 1026.19(f); 1026.22(a)(2); OSC 17(c)(2)(ii)-1) - Due Diligence Vendor-06/10/2025 |  | Resolved-Updated the Prepaid Interest Date from 5/29/2024 to 5/29/2025 - Due Diligence Vendor-06/10/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838896 | xxxxxx | D A | Closed | xxxxxx | 2025-06-04 23:29 | 2025-06-10 05:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE, Initial CD, COC and Disclosure Tracking Summary received - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. - Seller-06/09/2025 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. - Seller-06/09/2025 | Resolved-Revised LE, Initial CD, COC and Disclosure Tracking Summary received - Due Diligence Vendor-06/10/2025 |  |  | xxxxxx Tracking.pdf<br> xxxxxx CD Items.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838897 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-11 13:40 | 2025-07-14 14:16 | Waived | 2 - Non-Material B | Credit | Income/Employment | Employment Self-Employed Less Than 2 Years at Origination | Waived-Exception Waived with compensating factors.<br> Exception Document page 335<br> Exception Reason: OTHER- Business used for qualifying is less than 2 years old. LLC originated xxxxxx and was merged into corporation <br> xxxxxx. - Due Diligence Vendor-07/14/2025 |  | Waived-Exception Waived with compensating factors.<br> Exception Document page 335<br> Exception Reason: OTHER- Business used for qualifying is less than 2 years old. LLC originated xxxxxx and was merged into corporation <br> xxxxxx. - Due Diligence Vendor-07/14/2025 | DTI- Loan File 20.84%, GL Requirement Max 50%<br> Residual Income- Loan File $31,414.58, GL Requirement $2500<br> Reserves- Loan File 40.32 months, GL Requirement Min 6 months<br> Housing History- Loan File 0x30x47 months, GL Requirement 1x30x12 months<br> Payment History- Loan File 0x60 48 months, GL Requirement 0x60x12 months | DTI- Loan File 20.84%, GL Requirement Max 50%<br> Residual Income- Loan File $31,414.58, GL Requirement $2500<br> Reserves- Loan File 40.32 months, GL Requirement Min 6 months<br> Housing History- Loan File 0x30x47 months, GL Requirement 1x30x12 months<br> Payment History- Loan File 0x60 48 months, GL Requirement 0x60x12 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 838897 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-10 05:40 | 2025-06-16 06:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Final CD received - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. xxxxxx would have been the closing CD. No CC for this. - Seller-06/13/2025 <br> Counter-Provide Final CD dated xxxxxx and related COC - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. - Seller-06/12/2025 <br> Open-TRID: Missing Closing Disclosure Provide Final Closing Disclosure, related COC and Disclosure Tracking Summary - Due Diligence Vendor-06/10/2025 | Ready for Review-Document Uploaded. xxxxxx would have been the closing CD. No CC for this. - Seller-06/13/2025 <br> Ready for Review-Document Uploaded. - Seller-06/12/2025 | Resolved-Final CD received - Due Diligence Vendor-06/16/2025 |  |  | xxxxxx Tracking.pdf<br> xxxxxx CD Items.pdf<br> Closing CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838897 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-10 05:30 | 2025-06-16 06:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-06/16/2025 <br> Resolved-Initial CD Provided. Resolved<br> - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. - Seller-06/12/2025 <br> Open-TRID: Missing Final Closing Disclosure Provide Initial Closing Disclosure, related COC and Disclosure Tracking Summary - Due Diligence Vendor-06/10/2025 | Ready for Review-Document Uploaded. - Seller-06/12/2025 | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-06/16/2025 <br> Resolved-Initial CD Provided. Resolved<br> - Due Diligence Vendor-06/13/2025 |  |  | xxxxxx Tracking.pdf<br> xxxxxx CD Items.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838902 | xxxxxx | D A | Closed | xxxxxx | 2025-06-05 05:25 | 2025-06-05 05:32 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 543 and the Final Closing disclosure on page 338 reflects escrows. Rate lock date was entered correctly – see Findings. An interior and exterior appraisal was completed for this property – see page 34, the appraisal disclosure was provided to the borrower(s)- see page 655 and copy of the appraisal was given to the borrower – see page 565. The loan meets HPML guidelines. - Due Diligence Vendor-06/05/2025 <br> Open-The loan's (8.51%) APR equals or exceeds the Federal HPML threshold of (8.3%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-06/05/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 543 and the Final Closing disclosure on page 338 reflects escrows. Rate lock date was entered correctly – see Findings. An interior and exterior appraisal was completed for this property – see page 34, the appraisal disclosure was provided to the borrower(s)- see page 655 and copy of the appraisal was given to the borrower – see page 565. The loan meets HPML guidelines. - Due Diligence Vendor-06/05/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838902 | xxxxxx | D A | Closed | xxxxxx | 2025-06-04 10:37 | 2025-06-05 05:25 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved- Initial CD, related COC and Disclosure Tracking Summary received - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. - Seller-06/04/2025 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. - Seller-06/04/2025 | Resolved- Initial CD, related COC and Disclosure Tracking Summary received - Due Diligence Vendor-06/05/2025 |  |  | xxxxxx Tracking.pdf<br> xxxxxx CD items.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838902 | xxxxxx | D A | Closed | xxxxxx | 2025-06-04 10:38 | 2025-06-05 05:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-06/05/2025 <br> Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. - Seller-06/04/2025 <br> Open-Evidence of Rate Lock Missing Provide Confirmation of Rate Lock - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. - Seller-06/04/2025 | Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-06/05/2025 <br> Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/05/2025 |  |  | xxxxxx Lock.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838902 | xxxxxx | D A | Closed | xxxxxx | 2025-06-02 23:01 | 2025-06-05 05:15 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Requested updated HOI Policy with updated date provided hence resolved. - Due Diligence Vendor-06/05/2025 <br> Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. - Seller-06/04/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Hazard Insurance Effective Date of xxxxxx is after the Note Date xxxxxx. Provide HOI policy with effective date on or prior to xxxxxx. - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. - Seller-06/04/2025 | Resolved-Requested updated HOI Policy with updated date provided hence resolved. - Due Diligence Vendor-06/05/2025 <br> Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/05/2025 |  |  | xxxxxx HOI.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838902 | xxxxxx | D A | Closed | xxxxxx | 2025-06-03 00:24 | 2025-06-05 04:37 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Requested updated 1008 with updated property tax amount provided hence resolved.<br> - Due Diligence Vendor-06/05/2025 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. - Seller-06/04/2025 <br> Open-The 1008 document is missing from the loan file. Final CD and 1st payment letter reflects monthly tax amount iao xxxxxx ; however, 1008 reflects monthly tax amount iao xxxxxx. Provide updated 1008 with updated property tax amount - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. - Seller-06/04/2025 | Resolved-Requested updated 1008 with updated property tax amount provided hence resolved.<br> - Due Diligence Vendor-06/05/2025 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-06/05/2025 |  |  | xxxxxx 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838906 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 838907 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 838908 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 838909 | xxxxxx | D A | Closed | xxxxxx | 2025-06-13 00:31 | 2025-06-17 03:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Property is xxxxxx, tax value Calculated 1.25% on Sales price, Tax value matches, Finding Resolved - Due Diligence Vendor-06/17/2025 <br> Resolved-Evidence of Property Tax is present - Due Diligence Vendor-06/17/2025 <br> Ready for Review-xxxxxx so 1.5% of purchase price was used. - Seller-06/16/2025 <br> Open-Missing Evidence of Property Tax Evidence of Property Tax with amount xxxxxx X 12 Months = xxxxxx is missing from file. - Due Diligence Vendor-06/13/2025 | Ready for Review-xxxxxx so 1.5% of purchase price was used. - Seller-06/16/2025 | Resolved-Property is xxxxxx, tax value Calculated 1.25% on Sales price, Tax value matches, Finding Resolved - Due Diligence Vendor-06/17/2025 <br> Resolved-Evidence of Property Tax is present - Due Diligence Vendor-06/17/2025 |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838928 | xxxxxx | D A C | Closed | xxxxxx | 2025-06-04 11:07 | 2025-06-10 10:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated 1003 for Bwr 2 received - Due Diligence Vendor-06/05/2025 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. - Seller-06/04/2025 <br> Open-The Final 1003 is Incomplete Bwr 2 Employment start date reflects xxxxxx; however, years in industry reflects 2 yrs. Provide updated 1003 for Bwr 2 - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. - Seller-06/04/2025 | Resolved-Updated 1003 for Bwr 2 received - Due Diligence Vendor-06/05/2025 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-06/05/2025 |  |  | xxxxxx 1003 and 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838928 | xxxxxx | D A C | Closed | xxxxxx | 2025-06-05 06:42 | 2025-06-05 08:20 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - Due Diligence Vendor-06/05/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 370 and the Final Closing disclosure on page 248 reflects escrows. Rate lock date was entered correctly – see page 392. An interior and exterior appraisal was completed for this property – see page 29, the appraisal disclosure was provided to the borrower(s)- see page 471 and copy of the appraisal was given to the borrower – see page 439-440. The loan meets HPML guidelines. - Due Diligence Vendor-06/05/2025 <br> Open-The loan's (10.146%) APR equals or exceeds the Federal HPML threshold of (8.3%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-06/05/2025 |  | Resolved- - Due Diligence Vendor-06/05/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 370 and the Final Closing disclosure on page 248 reflects escrows. Rate lock date was entered correctly – see page 392. An interior and exterior appraisal was completed for this property – see page 29, the appraisal disclosure was provided to the borrower(s)- see page 471 and copy of the appraisal was given to the borrower – see page 439-440. The loan meets HPML guidelines. - Due Diligence Vendor-06/05/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838928 | xxxxxx | D A C | Closed | xxxxxx | 2025-06-03 23:09 | 2025-06-05 06:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial Closing Disclosure missing in file, Provided the same, Finding Resolved - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. - Seller-06/04/2025 <br> Open-TRID: Missing Closing Disclosure Provide Initial Closing Disclosure, related COC, Disclosure Tracking Summary - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. - Seller-06/04/2025 | Resolved-Initial Closing Disclosure missing in file, Provided the same, Finding Resolved - Due Diligence Vendor-06/05/2025 |  |  | xxxxxx Tracking.pdf<br> xxxxxx CD items.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838928 | xxxxxx | D A C | Closed | xxxxxx | 2025-06-03 09:10 | 2025-06-05 06:17 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Requested updated HOI Policy with updated date provided hence resolved. - Due Diligence Vendor-06/05/2025 <br> Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. - Seller-06/04/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Provide HOI Policy with an effective date on or about xxxxxx - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. - Seller-06/04/2025 | Resolved-Requested updated HOI Policy with updated date provided hence resolved. - Due Diligence Vendor-06/05/2025 <br> Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/05/2025 |  |  | xxxxxx HOI.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838928 | xxxxxx | D A C | Closed | xxxxxx | 2025-06-03 08:56 | 2025-06-05 04:52 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Requested updated 1008 with updated FICO SCORE hence resolved. - Due Diligence Vendor-06/05/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. - Seller-06/04/2025 <br> Open-Qualifying FICO on the 1008 Page is '750' or blank, but the Qualifying FICO from the Credit Liabilities Page is '752' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Per Matrix, when qualifying income is equal for all borrowers the highest representative score is used to determine the overall loan qualifying score. Provide updated 1008 with 752 credit score<br> - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. - Seller-06/04/2025 | Resolved-Requested updated 1008 with updated FICO SCORE hence resolved. - Due Diligence Vendor-06/05/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-06/05/2025 |  |  | xxxxxx 1003 and 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838930 | xxxxxx | D A | Closed | xxxxxx | 2025-06-09 05:15 | 2025-06-13 08:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Validation Resolved' - Due Diligence Vendor-06/13/2025 <br> Ready for Review-LOX from homeowner is not required in our guidelines. - Seller-06/12/2025 <br> Open-VOR/VOM Doc Status should not be 'Missing'. LOX from the owner of the house is not available - Due Diligence Vendor-06/09/2025 | Ready for Review-LOX from homeowner is not required in our guidelines. - Seller-06/12/2025 | Resolved-Validation Resolved' - Due Diligence Vendor-06/13/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838930 | xxxxxx | D A | Closed | xxxxxx | 2025-06-10 16:12 | 2025-06-13 08:54 | Resolved | 1 - Information C A | Credit | Doc Issue | Missing asset documentation (ATR) | Resolved-The asset worksheet was provided - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. - Seller-06/12/2025 <br> Open-Provide the asset worksheet - Due Diligence Vendor-06/10/2025 | Ready for Review-Document Uploaded. - Seller-06/12/2025 | Resolved-The asset worksheet was provided - Due Diligence Vendor-06/13/2025 |  |  | xxxxxx Asset worksheet.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838930 | xxxxxx | D A | Closed | xxxxxx | 2025-06-09 04:29 | 2025-06-13 02:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Notary Date is missing in file, Updated DOT provided, changes made in system, Finding Resolved<br> - Due Diligence Vendor-06/13/2025 <br> Resolved-The Deed of Trust is Present - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. The acknowledgment page shows the date of xxxxxx, which is the same date that the borrower signed. - Seller-06/12/2025 <br> Open-The Deed of Trust is Missing Note Date, Closing Document signed on xxxxxx whereas provided deed of trust Notary Acknowledgment Date as xxxxxx. Required updated DOT with corrected Notary date. - Due Diligence Vendor-06/09/2025 | Ready for Review-Document Uploaded. The acknowledgment page shows the date of xxxxxx, which is the same date that the borrower signed. - Seller-06/12/2025 | Resolved-Notary Date is missing in file, Updated DOT provided, changes made in system, Finding Resolved<br> - Due Diligence Vendor-06/13/2025 <br> Resolved-The Deed of Trust is Present - Due Diligence Vendor-06/13/2025 |  |  | xxxxxx DOT.pdf<br> DOT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838930 | xxxxxx | D A | Closed | xxxxxx | 2025-06-09 06:23 | 2025-06-13 02:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial Cd is missing in file, Updated Initial Cd and revised LE provided, changes made in system, Finding Resolved<br> - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. - Seller-06/12/2025 <br> Open-TRID: Missing Closing Disclosure TRID: Missing Initial Closing Disclosure - Due Diligence Vendor-06/09/2025 | Ready for Review-Document Uploaded. - Seller-06/12/2025 | Resolved-Initial Cd is missing in file, Updated Initial Cd and revised LE provided, changes made in system, Finding Resolved<br> - Due Diligence Vendor-06/13/2025 |  |  | xxxxxx CC.pdf<br> xxxxxx Tracking.pdf<br> xxxxxx CD items.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838930 | xxxxxx | D A | Closed | xxxxxx | 2025-06-13 02:28 | 2025-06-13 02:28 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.314%) equals or exceeds the xxxxxx HPML threshold of (8.3%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.8%).(xxxxxx. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 220 and the Final Closing disclosure on Pg 91 reflects escrows. Rate lock date was entered correctly – see Pg 243 An interior and exterior appraisal was completed for this property – see pg 55 to 61 the appraisal disclosure was provided to the borrower(s)- see Pg 242, and copy of the appraisal was given to the borrower – see Pg 32 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-06/13/2025 |  | Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.314%) equals or exceeds the xxxxxx HPML threshold of (8.3%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.8%).(xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 220 and the Final Closing disclosure on Pg 91 reflects escrows. Rate lock date was entered correctly – see Pg 243 An interior and exterior appraisal was completed for this property – see pg 55 to 61 the appraisal disclosure was provided to the borrower(s)- see Pg 242, and copy of the appraisal was given to the borrower – see Pg 32 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-06/13/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838930 | xxxxxx | D A | Closed | xxxxxx | 2025-06-13 02:28 | 2025-06-13 02:28 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.314%) APR equals or exceeds the Federal HPML threshold of (8.3%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 220 and the Final Closing disclosure on Pg 91 reflects escrows. Rate lock date was entered correctly – see Pg 243 An interior and exterior appraisal was completed for this property – see pg 55 to 61 the appraisal disclosure was provided to the borrower(s)- see Pg 242, and copy of the appraisal was given to the borrower – see Pg 32 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-06/13/2025 |  | Resolved-The loan's (9.314%) APR equals or exceeds the Federal HPML threshold of (8.3%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 220 and the Final Closing disclosure on Pg 91 reflects escrows. Rate lock date was entered correctly – see Pg 243 An interior and exterior appraisal was completed for this property – see pg 55 to 61 the appraisal disclosure was provided to the borrower(s)- see Pg 242, and copy of the appraisal was given to the borrower – see Pg 32 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-06/13/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839332 | xxxxxx | D A | Closed | xxxxxx | 2025-06-11 11:42 | 2025-06-13 07:27 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Received receipt of Gift Funds iao $40,000 - Due Diligence Vendor-06/13/2025 <br> Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. - Seller-06/12/2025 <br> Open-Asset Record 3 Does Not Meet G/L Requirements Per Matrix, when the funds are not transferred prior to closing, it must be documented that the donor gave the closing agent the gift funds in the form of a certified check, a cashier's check, money order, or wire transfer. Provide evidence of Gift Funds iao $40,000 - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. - Seller-06/12/2025 | Resolved-Received receipt of Gift Funds iao $40,000 - Due Diligence Vendor-06/13/2025 <br> Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-06/13/2025 |  |  | Gift funds receipt.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839332 | xxxxxx | D A | Closed | xxxxxx | 2025-06-11 11:43 | 2025-06-13 07:21 | Resolved | 1 - Information D A | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Resolved-Asset Worksheet received - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. - Seller-06/12/2025 <br> Open-Provide Asset Worksheet - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. - Seller-06/12/2025 | Resolved-Asset Worksheet received - Due Diligence Vendor-06/13/2025 |  |  | xxxxxx Asset Worksheet.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839333 | xxxxxx | D A | Closed | xxxxxx | 2025-05-27 05:56 | 2025-05-29 09:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-the initial CD's were provided - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. - Seller-05/28/2025 <br> Open-TRID: Missing Closing Disclosure Initial CD missing in file - Due Diligence Vendor-05/27/2025 | Ready for Review-Document Uploaded. - Seller-05/28/2025 | Resolved-the initial CD's were provided - Due Diligence Vendor-05/29/2025 |  |  | xxxxxx CD items.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 839333 | xxxxxx | D A | Closed | xxxxxx | 2025-05-27 06:08 | 2025-05-29 01:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Bank Statement Summary Lender Worksheet / Income Calculator sheet provided. - Due Diligence Vendor-05/29/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. - Seller-05/28/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. calculation worksheet available in page no#660, it is invisible required updated income calculation worksheet. - Due Diligence Vendor-05/27/2025 | Ready for Review-Document Uploaded. - Seller-05/28/2025 | Resolved-Bank Statement Summary Lender Worksheet / Income Calculator sheet provided. - Due Diligence Vendor-05/29/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-05/29/2025 |  |  | xxxxxx 1008.pdf<br> xxxxxx 12 mo Bank Calc.pdf<br> xxxxxx 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 839333 | xxxxxx | D A | Closed | xxxxxx | 2025-05-27 05:55 | 2025-05-29 00:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Homeowners Association Questionnaire | Resolved-HOA Questionnaire Provided. - Due Diligence Vendor-05/29/2025 <br> Resolved-HOA Questionnaire is Present - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. - Seller-05/28/2025 <br> Open-HOA Questionnaire is Missing or Partial. HOA Questionnaire is Missing - Due Diligence Vendor-05/27/2025 | Ready for Review-Document Uploaded. - Seller-05/28/2025 | Resolved-HOA Questionnaire Provided. - Due Diligence Vendor-05/29/2025 <br> Resolved-HOA Questionnaire is Present - Due Diligence Vendor-05/29/2025 |  |  | Condo Q.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 839518 | xxxxxx | D A | Closed | xxxxxx | 2025-06-10 04:45 | 2025-06-16 02:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Calculation Worksheet with updated 1003 and 1008 to match income uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/16/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. Income Worksheet with updated 1003 and 1008 to match income - Seller-06/13/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender income calculation worksheet is missing from file. - Due Diligence Vendor-06/10/2025 | Ready for Review-Document Uploaded. Income Worksheet with updated 1003 and 1008 to match income - Seller-06/13/2025 | Resolved-Lender Income Calculation Worksheet with updated 1003 and 1008 to match income uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/16/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-06/16/2025 |  |  | Income Calculation Worksheet.pdf<br>1003.1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 839518 | xxxxxx | D A | Closed | xxxxxx | 2025-06-10 05:25 | 2025-06-13 02:44 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated 1008 document provided. DTI inline. Resolved<br> - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. Updated 1008 - Seller-06/12/2025 <br> Open-Audited DTI is 27.74 and lender DTI is 30.23. The difference is 2.49.<br>Source One Financial installment account with a monthly payment of $948 included on F1003 is not shown on CBR in file. . - Due Diligence Vendor-06/10/2025 | Ready for Review-Document Uploaded. Updated 1008 - Seller-06/12/2025 | Resolved-Updated 1008 document provided. DTI inline. Resolved<br> - Due Diligence Vendor-06/13/2025 |  |  | 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840103 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 840123 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-11 03:33 | 2025-06-17 03:30 | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-Master Policy was expired, provided Updated Master Policy, Changes made in system, Finding Resolved - Due Diligence Vendor-06/17/2025 <br> Resolved-HO-6 Insurance Policy Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Or HO-6 Insurance Policy Effective Date Is Not Provided - Due Diligence Vendor-06/17/2025 <br> Resolved-HO-6 Insurance Policy with Effective Date of xxxxxx which is equal to Note Date of xxxxxx provided. - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. - Seller-06/13/2025 <br> Open-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx HO-6 policy after note and disbursement date. - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. - Seller-06/13/2025 | Resolved-Master Policy was expired, provided Updated Master Policy, Changes made in system, Finding Resolved - Due Diligence Vendor-06/17/2025 <br> Resolved-HO-6 Insurance Policy Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Or HO-6 Insurance Policy Effective Date Is Not Provided - Due Diligence Vendor-06/17/2025 <br> Resolved-HO-6 Insurance Policy with Effective Date of xxxxxx which is equal to Note Date of xxxxxx provided. - Due Diligence Vendor-06/16/2025 |  |  | HO6.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840123 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-11 03:33 | 2025-06-17 03:29 | Resolved | 1 - Information C A | Credit | Insurance | Master Policy Expiration Date is Prior To the Transaction Date | Resolved-Master Policy Expiration Date of xxxxxx is Equal to or After the Transaction Date of xxxxxx Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. - Seller-06/16/2025 <br> Open-Master Policy Expiration Date of xxxxxx is Prior To the Transaction Date of xxxxxx Required master policy with the closing date. - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. - Seller-06/16/2025 | Resolved-Master Policy Expiration Date of xxxxxx is Equal to or After the Transaction Date of xxxxxx Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-06/17/2025 |  |  | xxxxxx Master.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840123 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-11 04:53 | 2025-06-16 10:25 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client elect to waive with the following compensating factors<br> - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. - Seller-06/13/2025 <br> Open-Audited Reserves of 2 month(s) are less than Guideline Required Reserves of 3 month(s) Closing cost per CD is xxxxxx and Reserves requirement is $6883 verified assets are $68115.96, it's not covering the requirement. - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. - Seller-06/13/2025 | Waived-Exception Waived with compensating factors - <br> - Due Diligence Vendor-06/16/2025 | 1- 12.99% DTI - 50% DTI maximum<br> 2- 713 FICO - 660 FICO minimum | 1- 12.99% DTI - 50% DTI maximum<br> 2- 713 FICO - 660 FICO minimum | Reserves exception.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 840123 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-11 03:10 | 2025-06-16 00:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report Provided. - Due Diligence Vendor-06/16/2025 <br> Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. - Seller-06/13/2025 <br> Open-Borrower 1 Gap Credit Report is Missing required Gap credit report with 10 business days from closing date. - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. - Seller-06/13/2025 | Resolved-Borrower 1 Gap Credit Report Provided. - Due Diligence Vendor-06/16/2025 <br> Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/16/2025 |  |  | xxxxxx Gap.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840123 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-11 04:45 | 2025-06-11 05:05 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.881%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.93%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 773 and the Final Closing disclosure on Pg#'s 242 reflects escrows. Rate lock date was entered correctly – see Pg#'s 806 An interior and exterior appraisal was completed for this property – see pg 28-62 , the appraisal disclosure was provided to the borrower(s)- see Pg#'859 , and copy of the appraisal was given to the borrower – see Pg#'s 860 for the copy of the disclosure. The loan meets HPML guidelines<br>- Due Diligence Vendor-06/11/2025 |  | Resolved-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.881%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.93%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 773 and the Final Closing disclosure on Pg#'s 242 reflects escrows. Rate lock date was entered correctly – see Pg#'s 806 An interior and exterior appraisal was completed for this property – see pg 28-62 , the appraisal disclosure was provided to the borrower(s)- see Pg#'859 , and copy of the appraisal was given to the borrower – see Pg#'s 860 for the copy of the disclosure. The loan meets HPML guidelines<br>- Due Diligence Vendor-06/11/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840123 | xxxxxx | D B A | Closed | xxxxxx | 2025-06-11 04:45 | 2025-06-11 05:05 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.881%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 773 and the Final Closing disclosure on Pg#'s 242 reflects escrows. Rate lock date was entered correctly – see Pg#'s 806 An interior and exterior appraisal was completed for this property – see pg 28-62 , the appraisal disclosure was provided to the borrower(s)- see Pg#'859 , and copy of the appraisal was given to the borrower – see Pg#'s 860 for the copy of the disclosure. The loan meets HPML guidelines<br>- Due Diligence Vendor-06/11/2025 |  | Resolved-The loan's (8.881%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 773 and the Final Closing disclosure on Pg#'s 242 reflects escrows. Rate lock date was entered correctly – see Pg#'s 806 An interior and exterior appraisal was completed for this property – see pg 28-62 , the appraisal disclosure was provided to the borrower(s)- see Pg#'859 , and copy of the appraisal was given to the borrower – see Pg#'s 860 for the copy of the disclosure. The loan meets HPML guidelines<br>- Due Diligence Vendor-06/11/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840128 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |

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## Exhibit 99.24

**EXHIBIT 99.24**

**selene rating agency grades report**

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| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 831176 | xxxxxx |  | xxxxxx D B A |
| 831179 | xxxxxx |  | xxxxxx D A B |
| 831180 | xxxxxx |  | xxxxxx D A B |
| 832162 | xxxxxx |  | xxxxxx D A |
| 832721 | xxxxxx |  | xxxxxx D C A B |
| 834694 | xxxxxx |  | xxxxxx C A B |
| 834698 | xxxxxx |  | xxxxxx A |
| 834702 | xxxxxx |  | xxxxxx C D A B |
| 834705 | xxxxxx |  | xxxxxx C A B |
| 834709 | xxxxxx |  | xxxxxx C B A |
| 834747 | xxxxxx |  | xxxxxx A D |
| 834751 | xxxxxx |  | xxxxxx A D B |
| 834758 | xxxxxx |  | xxxxxx A |
| 834763 | xxxxxx |  | xxxxxx A C |
| 836049 | xxxxxx |  | xxxxxx A C |
| 836052 | xxxxxx |  | xxxxxx C A B |
| 836101 | xxxxxx |  | xxxxxx A |
| 836117 | xxxxxx |  | xxxxxx A |
| 836161 | xxxxxx |  | xxxxxx A D |
| 836184 | xxxxxx |  | xxxxxx C A B |
| 836931 | xxxxxx |  | xxxxxx C A B |
| 837172 | xxxxxx |  | xxxxxx A |
| 837533 | xxxxxx |  | xxxxxx A |
| 837569 | xxxxxx |  | xxxxxx D A B |
| 838452 | xxxxxx |  | xxxxxx C A |
| 838856 | xxxxxx |  | xxxxxx A |
| 838858 | xxxxxx |  | xxxxxx A D |
| 838859 | xxxxxx |  | xxxxxx A C |
| 838860 | xxxxxx |  | xxxxxx C D A |
| 838864 | xxxxxx |  | xxxxxx C A B |
| 838865 | xxxxxx |  | xxxxxx C D A B |
| 838868 | xxxxxx |  | xxxxxx A D |
| 838870 | xxxxxx |  | xxxxxx A D |
| 838871 | xxxxxx |  | xxxxxx D A |
| 838873 | xxxxxx |  | xxxxxx A |
| 838879 | xxxxxx |  | xxxxxx C D A |
| 838880 | xxxxxx |  | xxxxxx A D |
| 838881 | xxxxxx |  | xxxxxx B D A |
| 838882 | xxxxxx |  | xxxxxx A D |
| 838884 | xxxxxx |  | xxxxxx D A |
| 838885 | xxxxxx |  | xxxxxx B C A |
| 838892 | xxxxxx |  | xxxxxx A |
| 838895 | xxxxxx |  | xxxxxx B D A |
| 838896 | xxxxxx |  | xxxxxx A D |
| 838897 | xxxxxx |  | xxxxxx B D A |
| 838902 | xxxxxx |  | xxxxxx D A |
| 838906 | xxxxxx |  | xxxxxx A |
| 838907 | xxxxxx |  | xxxxxx A |
| 838908 | xxxxxx |  | xxxxxx A |
| 838909 | xxxxxx |  | xxxxxx D A |
| 838928 | xxxxxx |  | xxxxxx C D A |
| 838930 | xxxxxx |  | xxxxxx D A |
| 839332 | xxxxxx |  | xxxxxx D A |
| 839333 | xxxxxx |  | xxxxxx D A |
| 839518 | xxxxxx |  | xxxxxx D A |
| 840103 | xxxxxx |  | xxxxxx A |
| 840123 | xxxxxx |  | xxxxxx D A B |
| 840128 | xxxxxx |  | xxxxxx A |

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## Exhibit 99.25

**EXHIBIT 99.25**

**selene data compare report**

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 831176 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD | Attached PUD is a Townhouse |
| 831179 | xxxxxx |  | xxxxxx | Monthly Property Tax Amount | titlePage | xxxxxx | xxxxxx | property Tax Value considered from Tax cert provided in file, which matches with FPL and Final Hud-1 |
| 831179 | xxxxxx |  | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 0.889 | 1.005 | Variance in Calculated DSCR and DFL DSCR as there is a variance PUD, taxes and insurance which are updated as per document provided in file which matches with FPL and Final HUD-1 value included in P&I,  |
| 831179 | xxxxxx |  | xxxxxx | Loan Purpose | the1003Page | Refinance | Cash-Out Refi | Loan purpose confirmed and considered as per lock document |
| 834694 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Property Type considered from Appraisal Report. |
| 834694 | xxxxxx |  | xxxxxx | Loan Purpose | the1003Page | Refinance | Cash-Out Refi | Loan Purpose considered from final 1003. |
| 834705 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Property Type is Two to Four Unit confirmed from appraisal report. |
| 834705 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Application Date updated as per 1003 Initial LO Sign date. |
| 834709 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Updated as per initial 1003 |
| 836049 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | As per Appraisal property type is Single Family Attached |
| 836052 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | As per Appraisal Property type is 2-4 Unit. |
| 836184 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Attached | Property type updated as per appraisal |
| 837172 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Updated as per appraisal report |
| 837172 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | 03-25-2025 | 04/08/2025 | Updated as per lock date |
| 837172 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Updated as per initial 1003 |
| 837533 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Application date updated as per initial 1003. |
| 837569 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Application Date updated as per Initial 1003 document. |
| 838856 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.13 | 43.69 | Within Tolerance |
| 838870 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD | Verified property type as Attached End Unit Townhouse that is a PUD |
| 838870 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.01 | 45.28 | DTi variance is due a decrease of $25.00 in All other monthly payments that were update as per credit and Gap Report. |
| 838873 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Property Type updated as per Appraisal Document "Two to Four Unit". |
| 838879 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | 03-25-2025 | 04/08/2025 | Updated as per lock date |
| 838880 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | 03-25-2025 | 04/08/2025 | Underwriting Guideline Version Date considered from Initial originator signature date. (Lock Document Missing) |
| 838880 | xxxxxx |  | xxxxxx | Loan Purpose | the1003Page | Refinance | No Cash-Out Refi | Loan Purpose considered from Loan approval document. |
| 838881 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Updated as per initial 1003 |
| 838892 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | 05-13-2025 | 04/08/2025 | underwriting guideline version date is 05/13/2025 |
| 838902 | xxxxxx |  | xxxxxx | Monthly Property Tax Amount | titlePage | xxxxxx | xxxxxx | Final CD and 1st payment letter reflects monthly tax amount iao $xxxxxx; however, 1008 reflects monthly tax amount iao $xxxxxx. Raised 1008 Finding |
| 838902 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 4.59 | 5.24 | HTI variance is due to Final CD and 1st payment letter reflecting monthly tax amount iao $xxxxxx; ; however, 1008 reflects monthly tax amount iao $xxxxxx; |
| 838902 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 4.7 | 5.35 | DTI variance is due to Final CD and 1st payment letter reflecting monthly tax amount iao $xxxxxx; ; however, 1008 reflects monthly tax amount iao $xxxxxx; |
| 838906 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD | As per update if PUD attach then need to select Townhouse |
| 838906 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | 03-25-2025 | 04/08/2025 | Underwriting Guideline Version Date confirmed from lock confirmation and updated as per dropdown. |
| 838906 | xxxxxx |  | xxxxxx | Total Monthly Property Insurance Amount | propertyInsurancePage | xxxxxx | xxxxxx | Decimal round up values. |
| 838907 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD | As per update for PUD attched file need to select Townhouse. |
| 838907 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | 03-25-2025 | 04/08/2025 | Guideline version date selected as per dropdown and updated as per lock confirmation. |
| 838908 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD | Per appraisal, PUD property with attached type, so selected as townhomes. |
| 838908 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | 03-25-2025 | 04/08/2025 | GL version selected based on rate lock date. |
| 838909 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD | PropertyType considered as Townhouse as Appraisal is PUD attached. |
| 838909 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | 03-25-2025 | 04/08/2025 | UnderwritingGuidelineVersionDate 03/25/2025 considered as per the lock date. |
| 838928 | xxxxxx |  | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 752 | 750 | Updated 1008 received with updated credit score of 752 |
| 838928 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | LO signed on xxxxxx |
| 838928 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.52 | 49.26 | DTI variance is due to the increase in monthy payment amount on the gap credit report. DTi remains under 50% MAX per GL |
| 838930 | xxxxxx |  | xxxxxx | Total Monthly Property Insurance Amount | propertyInsurancePage | xxxxxx | xxxxxx | There is an additional insurance |
| 838930 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | LO is signed on xxxxxx |
| 839333 | xxxxxx |  | xxxxxx | Monthly HOA $| propertyValuationPage | 1282 | 1502.00 | As per appraisal HOA amount is $1282 |
| 839333 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Application date updated as per initial 1003 |
| 839518 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | True data is correct, property is a PUD per 1008, DOT, appraisal. |
| 839518 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 4920.12 | 4878.12 | True data is correct, tape data was not included HOA amount of $42 whereas true data shows PITIA. |
| 839518 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | 12 months bank statements were used for qualification. |
| 839518 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 12.71 | 30.23 | Audited DTI of 12.71 matches updated 1008 provided that reflects DTI 12.71. |
| 840103 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Property Type considered from Appraisal document. |
| 840123 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 12.99 | 13.00 | Decimal round up values. |

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## Exhibit 99.26

**EXHIBIT 99.26**

**selene atr qm detail**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 831176 | xxxxxx |  | xxxxxx | 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 |  | N/A |  |  | No |  | Yes | Present |
| 831179 | xxxxxx |  | xxxxxx | 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 |  | N/A |  |  | No |  | Yes | Present |
| 831180 | xxxxxx |  | xxxxxx | 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 |  | N/A |  |  | No |  | Yes | Present |
| 832162 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 832721 | xxxxxx |  | xxxxxx | 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 |  | N/A |  |  | No |  | Yes | Present |
| 834694 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 834698 | xxxxxx |  | xxxxxx | 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 |  | N/A |  |  | No |  | Yes | Present |
| 834702 | xxxxxx |  | xxxxxx | 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 |  | N/A |  |  | No |  | Yes | Present |
| 834705 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 834709 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No | No | Yes | Present |
| 834747 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18857.18 | Yes | Employed |  | No |  | No |  |
| 834751 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7503.82 | Yes | Employed | Not Employed | No | No | No |  |
| 834758 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 834763 | xxxxxx |  | xxxxxx | 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 |
| 836049 | xxxxxx |  | xxxxxx | 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 |  | N/A |  |  | No |  | Yes | Present |
| 836052 | xxxxxx |  | xxxxxx | 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 |  | N/A |  |  | No |  | Yes | Present |
| 836101 | xxxxxx |  | xxxxxx | 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 |  | N/A |  |  | No |  | Yes | Present |
| 836117 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 836161 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2904.34 | Yes | Employed |  | No |  | No |  |
| 836184 | xxxxxx |  | xxxxxx | 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 |  | N/A |  |  | No |  | Yes | Present |
| 836931 | xxxxxx |  | xxxxxx | 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 |  | N/A |  |  | No |  | Yes | Present |
| 837172 | xxxxxx |  | xxxxxx | 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 | 7513.5 | Yes | Employed |  | No |  | Yes | Present |
| 837533 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17194.21 | Yes | Employed |  | No |  | No |  |
| 837569 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4294.9 | Yes | Employed | Employed | No | No | No |  |
| 838452 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 55345.97 | Yes | Employed |  | No |  | No |  |
| 838856 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2616.84 | Yes | Unknown |  | No |  | No |  |
| 838858 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3466.66 | Yes | Employed |  | No |  | No |  |
| 838859 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 37750.55 | Yes | Employed | Not Employed | No | No | No |  |
| 838860 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6352.6 | Yes | Employed |  | No |  | No |  |
| 838864 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 | 5702.71 | Yes | Employed |  | No |  | Yes | Present |
| 838865 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4158.6 | Yes | Employed | Employed | No | No | No |  |
| 838868 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6332.43 | Yes | Employed |  | No |  | No |  |
| 838870 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5283.17 | Yes | Employed |  | No |  | No |  |
| 838871 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4178.91 | Yes | Employed |  | No |  | No |  |
| 838873 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5191.23 | Yes | Employed |  | No |  | No |  |
| 838879 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3606.04 | Yes | Employed |  | No |  | No |  |
| 838880 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8424.2 | Yes | Employed |  | No |  | No |  |
| 838881 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4916.23 | Yes | Employed |  | No |  | No |  |
| 838882 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5165.18 | Yes | Employed |  | No |  | No |  |
| 838884 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3278.17 | Yes | Employed |  | No |  | No |  |
| 838885 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8236.35 | Yes | Employed |  | No |  | No |  |
| 838892 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5186.77 | Yes | Employed |  | No |  | No |  |
| 838895 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6146.67 | Yes | Employed |  | No |  | No |  |
| 838896 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17775.63 | Yes | Employed |  | No |  | No |  |
| 838897 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31414.58 | Yes | Employed |  | No |  | No |  |
| 838902 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 59066.49 | Yes | Employed |  | No |  | No |  |
| 838906 | xxxxxx |  | xxxxxx | 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 |  |  | No |  | Yes | Present |
| 838907 | xxxxxx |  | xxxxxx | 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 |  |  | No |  | Yes | Present |
| 838908 | xxxxxx |  | xxxxxx | 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 |  |  | No |  | Yes | Present |
| 838909 | xxxxxx |  | xxxxxx | 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 |  |  | No |  | Yes | Present |
| 838928 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7691.09 | Yes | Employed | Employed | No | No | No |  |
| 838930 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2244.26 | Yes | Employed |  | No |  | No |  |
| 839332 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 | 15902.69 | Yes | Employed |  | No |  | Yes | Present |
| 839333 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 284268.15 | Yes | Employed |  | No |  | No |  |
| 839518 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 72527.47 | Yes | Employed |  | No |  | No |  |
| 840103 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |  |  | No |  | Yes | Present |
| 840123 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17803.06 | Yes | Employed |  | No |  | No |  |
| 840128 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4013.64 | Yes | Employed | Employed | No | No | No |  |

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## Exhibit 99.27

**EXHIBIT 99.27**

**selene valuations report**

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **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** |
| 831176 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-10-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 02-12-2025 |
| 831179 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-10-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-12-2025 |
| 831180 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-10-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 02-13-2025 |
| 832162 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-28-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-13-2025 |
| 832721 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-08-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-08-2025 |
| 834694 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-08-2025 | 1025 Small Residential Income Report | xxxxxx | 51.85 | 51.85 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 03-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834698 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-21-2024 | 1004 URAR | xxxxxx | 58.24 | 58.24 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-29-2024 |
| 834702 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-19-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 03-20-2025 |
| 834705 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-12-2025 | 1025 Small Residential Income Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 03-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834709 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-14-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 03-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 03-20-2025 |
| 834747 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-11-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 02-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-14-2025 |
| 834751 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-18-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 03-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 03-21-2025 |
| 834758 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-20-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-01-2025 |
| 834763 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-11-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-13-2025 |
| 836049 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-25-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-29-2025 |
| 836052 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-28-2025 | 1025 Small Residential Income Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 04-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836101 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-02-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-08-2025 |
| 836117 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-12-2025 | 1073 Individual Condo Report | xxxxxx | 35.71 | 35.71 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 04-16-2025 |
| 836161 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-25-2025 | 1004 URAR | xxxxxx | 58.59 | 58.59 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-13-2025 |
| 836184 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-28-2025 | 1025 Small Residential Income Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-04-2025 |
| 836931 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-04-2025 | 1004 URAR | xxxxxx | 61.59 | 61.59 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 04-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | 04-08-2025 |
| 837172 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-09-2025 | 1025 Small Residential Income Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 05-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837533 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-21-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-26-2025 |
| 837569 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-28-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-12-2025 |
| 838452 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-08-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-11-2025 Eligible |  |  |
| 838856 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-02-2025 | 1004 URAR | xxxxxx | 66.67 | 66.67 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 05-07-2025 |
| 838858 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-08-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-15-2025 |
| 838859 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-30-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-02-2025 |
| 838860 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-08-2025 | 1004 URAR | xxxxxx | 66.4 | 66.4 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 05-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 05-13-2025 |
| 838864 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-17-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 05-27-2025 |
| 838865 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-30-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-04-2025 |
| 838868 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-08-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 05-15-2025 |
| 838870 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-09-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-09-2025 |
| 838871 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-28-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 5000 | .0196 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 05-19-2025 |
| 838873 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-06-2025 | 1025 Small Residential Income Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-12-2025 |
| 838879 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-23-2025 | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838880 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-07-2025 | 1004 URAR | xxxxxx | 73.89 | 73.89 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-08-2025 |
| 838881 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-28-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 04-29-2025 |
| 838882 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-04-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 05-06-2025 |
| 838884 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-29-2025 | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 05-02-2025 |
| 838885 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-05-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-05-2025 |
| 838892 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-15-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 05-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | 05-15-2025 |
| 838895 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-05-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-07-2025 |
| 838896 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-19-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 05-21-2025 |
| 838897 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-09-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-12-2025 |
| 838902 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-15-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-15-2025 |
| 838906 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-23-2025 | 1004 URAR | xxxxxx | 71.43 | 71.43 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-27-2025 |
| 838907 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-23-2025 | 1004 URAR | xxxxxx | 71.43 | 71.43 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-27-2025 |
| 838908 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-23-2025 | 1004 URAR | xxxxxx | 71.43 | 71.43 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-27-2025 |
| 838909 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-23-2025 | 1004 URAR | xxxxxx | 71.43 | 71.43 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-27-2025 |
| 838928 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-18-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 04-23-2025 |
| 838930 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-07-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 05-12-2025 |
| 839332 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-17-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-17-2025 |
| 839333 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-30-2025 | 1073 Individual Condo Report | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839518 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-07-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 05-08-2025 |
| 840103 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-20-2025 | 1025 Small Residential Income Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840123 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-11-2025 | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-15-2025 |
| 840128 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-12-2025 | 1004 URAR | xxxxxx | 69.88 | 69.88 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-18-2025 |

---

## Exhibit 99.28

**EXHIBIT 99.28**

**clayton services llc ("clayton") due diligence narrative report**

![](tm2521783d1_ex99-28img001.jpg)

**July 25, 2025<br> Due Diligence Narrative Report**![](tm2521783d1_ex99-28img002.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **2** |
| &nbsp;&nbsp;&nbsp;*Sampling* | 3 |
| &nbsp;&nbsp;&nbsp;*Sponsor Acquisition Criteria* | 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** | **8** |
| **Clayton Due Diligence Results** | **9** |
| **Clayton Third Party Reports Delivered** | **13** |
| **Appendix A: Credit Review Scope** | **13** |
| **Appendix B: Origination Appraisal Assessment** | **16** |
| **Appendix C: Regulatory Compliance Review Scope** | **19** |

---

 ****

Verus 2025-7 Due Diligence Narrative Report Page \| 1 July 25, 2025

![](tm2521783d1_ex99-28img002.jpg)

**Clayton Contact Information**

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](tm2518320d1_ex99-33img005.jpg) | **Michael Taylor** | Client Service Director |
|  |  | Phone: (813) 261-8915/E-mail: <u>mtaylor@clayton.com</u> |

---

---

| | | |
|:---|:---|:---|
| ![](tm2518320d1_ex99-33img005.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview**

Clayton Services LLC ("Clayton") conducted an independent third-party pre-securitization due diligence review of 39 residential loans selected for Verus 2025-7. The loans referenced in this narrative report were reviewed from 2/2025 to 6/2025. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review. The population of 39 loans were purchased on a Reliance Letter.

**Originators**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **Percentage** |
| Broker | 37 | 94.87% |
| Retail | 2 | 5.13% |
| **Total** | **39** | **100.00%** |

---

**Clayton'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. This is referred to as a "Full Review."

Verus 2025-7 Due Diligence Narrative Report Page \| 2 July 25, 2025

![](tm2521783d1_ex99-28img002.jpg)

Sampling

For all originators in this transaction, 100% of the loans received a Full Review as described below.

Review Type Loan Counts

---

| | | |
|:---|:---|:---|
| ***Review Type*** | &nbsp;&nbsp; ***Loan Count***<br> ***Reviewed by Clayton***  | ***Scope Applied*** |
| **Full Review** | 39 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Total Loan Population** | 39 |  |

---

Sponsor Acquisition Criteria

The loans were underwritten to origination guidelines. Clayton was supplied with all the guidelines in advance of our review.

Clayton was supplied with all of the changes to the guidelines with advance notice.

Loan Grading

The Sponsor Acquisition Criteria referenced above served as the benchmark for grading loans from a credit underwriting, property valuation and regulatory compliance perspective, as applicable. 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 Ratings ("Moody's") and S&P Global Ratings ("S&P").

Verus 2025-7 Due Diligence Narrative Report Page \| 3 July 25, 2025

![](tm2521783d1_ex99-28img002.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 loan documentation provided to Clayton.

Credit Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Assessed whether the characteristics of the mortgage loans and the borrowers conformed to the Sponsor
Acquisition Criteria cited above;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Re-calculated LTV, CLTV, income, liabilities, and debt-to-income ratios (DTI) and compared these against
the Sponsor Acquisition Criteria;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ DSCR Loans- Reviewed lease agreements and third-party market rent documents
to confirm compliance with Debt-Service-Coverage-Ratio requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Examined Data Verify/Fraudgaurd/Interthinx or similar risk evaluation report, which was ordered by the
Seller or Clayton and received by Clayton for Nationwide Mortgage Licensing System and Registry ("NMLS") and occupancy status
alerts. Clayton researched alert information against loan documentation and assigned loan conditions accordingly.

Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original Appraisal Assessment

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value Supported Analysis (39 loans)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· AVM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· CU Score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· BPO

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Desk Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Drive By

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Full Appraisal

Additional valuation product was not required when CU score provided was below 2.5. In the event the CU score was equal to or greater than 2.5, additional valuation product was obtained to confirm value was supported. In some cases additional desk reviews were ordered on loans with an acceptable CU score based on guidance from the seller.

Verus 2025-7 Due Diligence Narrative Report Page \| 4 July 25, 2025

![](tm2521783d1_ex99-28img002.jpg)

Regulatory Compliance Review

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

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

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

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

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

- TIL APR and Finance charge tolerances;

- Timeliness of ARM Disclosures (if applicable);

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The ATR/QM Rules allow the lender to exclude up to two discount points from the 3% points and fees evaluation
depending on the loan's undiscounted interest rate in relation to the APOR index rate. The ATR/QM Rule does not set the required
rate reduction per discount point.

Clayton evaluated the lender's exclusion of discount points from the 3% points and fees calculation for all loans in this transaction using a 0.2% rate reduction threshold per discount point.

- Prepayment Penalty restrictions.

TRID: on applicable loans, test compliance with the Integrated Mortgage Disclosure rules under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) defined under the Dodd-Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau.

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

- GFE initial disclosure timing and content;

- Confirmed the file contains the final HUD1 Settlement Statement;

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

- Homeownership Counseling Notice;

- Affiliated Business Disclosure if applicable.

OF NOTE: As of October 3, 2015 ("TRID Effective Date"), Clayton commenced testing applicable loans subject to the TRID Effective date against a TRID scope of review that was based on outside counsel's interpretations of the published regulations as of the TRID Effective Date. Clayton's scope was commercially reasonable as it relates to a Third Party Review ("TPR") firms' 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.

Verus 2025-7 Due Diligence Narrative Report Page \| 5 July 25, 2025

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

<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;· Cook County High Cost Ordinance

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

&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;· Sufficiency of coverage

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

Verus 2025-7 Due Diligence Narrative Report Page \| 6 July 25, 2025

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

Data Integrity

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tape data received from lender/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

Data Capture

Clayton collected data fields required to create American Securitization Forum ("ASF") data disclosure requirements. The file format is 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.

Verus 2025-7 Due Diligence Narrative Report Page \| 7 July 25, 2025

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**Data Compare Results**

Clayton provided VMC Asset Pooler, LLC with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received by the seller versus the data captured by Clayton during the loan review.

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| **Field Name** | **# of Loans** | **Accuracy %** |
| Borrower 1 Total Income | 2 | 94.87% |
| Borrower DSCR Percent | 2 | 94.87% |
| Cash Reserves | 16 | 58.97% |
| Combined LTV | 6 | 84.62% |
| Credit Report Date | 1 | 97.44% |
| Debt to Income Ratio (Back) | 1 | 97.44% |
| Disbursement Date | 13 | 66.67% |
| Documentation Type | 2 | 94.87% |
| Months Reserves | 15 | 61.54% |
| Next Payment Change Date | 1 | 97.44% |
| Original Appraisal Date | 2 | 94.87% |
| Original Appraised Value | 3 | 92.31% |
| Product Type | 4 | 89.74% |
| Property Type | 6 | 84.62% |
| Total Cash Out | 22 | 43.59% |
| Total Monthly Income | 3 | 92.31% |

---

Verus 2025-7 Due Diligence Narrative Report Page \| 8 July 25, 2025

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**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 grade.

**Initial and Final Overall Loan Grade Results (Moody's)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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** | 13 | 1 | 2 | 11 | **27** |
| **Final** | **B** |  | 5 | 1 | 3 | **9** |
| **Final** | **C** |  |  | 1 |  | **1** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **13** | **6** | **4** | **14** | **37** |

---

***\*Results may not tie to total loan count because Closed End Seconds are not rated by Moody's***

 ****

**Initial and Final Overall Loan Grade Results (S&P)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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** | 15 | 1 | 2 | 11 | **29** |
| **Final** | **B** |  | 5 | 1 | 3 | **9** |
| **Final** | **C** |  |  | 1 |  | **1** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **15** | **6** | **4** | **14** | **39** |

---

\*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.

Verus 2025-7 Due Diligence Narrative Report Page \| 9 July 25, 2025

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**Initial and Final Credit Component Grade Results (Moody's)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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 | 19 | 1 | 1 | 11 | **32** |
| **Final** | B |  | 3 |  | 2 | **5** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **19** | **4** | **1** | **13** | **37** |

---

***\*Results may not tie to total loan count because Closed End Seconds are not rated by Moody's***

**Initial and Final Credit Component Grade Results (S&P)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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 | 21 | 1 | 1 | 11 | **34** |
| **Final** | B |  | 3 |  | 2 | **5** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **21** | **4** | **1** | **13** | **39** |

---

Verus 2025-7 Due Diligence Narrative Report Page \| 10 July 25, 2025

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**Initial and Final Property Valuation Grade Results (Moody's)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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 | 32 |  | 2 |  | **34** |
| **Final** | B |  | 3 |  |  | **3** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **32** | **3** | **2** | **0** | **37** |

---

***\*Results may not tie to total loan count because Closed End Seconds are not rated by Moody's***

 ****

**Initial and Final Property Valuation Grade Results (S&P)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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 | 34 |  | 2 |  | **36** |
| **Final** | B |  | 3 |  |  | **3** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **34** | **3** | **2** | **0** | **39** |

---

Verus 2025-7 Due Diligence Narrative Report Page \| 11 July 25, 2025

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**Initial and Final Regulatory Compliance Grade Results (Moody's)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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 | 26 |  |  |  | **26** |
| **Final** | B |  |  | 1 | 1 | **2** |
| **Final** | C |  |  | 1 |  | **1** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **26** | **0** | **2** | **1** | **29** |

---

**Initial and Final Regulatory Compliance Grade Results (S&P)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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 | 28 |  |  |  | **28** |
| **Final** | B |  |  | 1 | 1 | **2** |
| **Final** | C |  |  | 1 |  | **1** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **28** | **0** | **2** | **1** | **31** |

---

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

Verus 2025-7 Due Diligence Narrative Report Page \| 12 July 25, 2025

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**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. Conditions Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Loan Level Tape Compare Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Valuation Summary Reports

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Rating Agency Grades 2.0

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Business Purpose Supplement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. ASF Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. ASF Supplement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Attestation Forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. Non/QM ATR Upload

**Appendix A: Credit Review Scope**

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

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

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&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

&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

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&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 issue 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

&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 "its 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

Verus 2025-7 Due Diligence Narrative Report Page \| 15 July 25, 2025

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

- Borrower address history

- Subject property ownership history

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

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

- Mortgage lender/originator

- Loan officer

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

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

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

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

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

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

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

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

- Appraisal date met supplied Sponsor Acquisition Criteria

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

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:

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

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

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

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

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

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

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

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

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

- Style of property was reviewed to determine if unique property

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

- Locational and/or environmental concerns adequately addressed if present

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

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

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

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

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

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

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

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

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

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

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

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

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

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

F. Disclaimer

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

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

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

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

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

G. Desk Review definitions

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

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

**Appendix C: Regulatory Compliance Review Scope**

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

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

**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)

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&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 Disclosure Rule: "The Initial TRID Scope"

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The loan does not consummate (Clayton looks to the later of the note date or notary date) until the later of seven business days after
the LE is delivered or placed in the mail and three business days after the CD (or Corrected CD when a new three-day waiting period is
triggered) is received.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Zero and ten percent tolerance fees are only reset with a valid and timely change of circumstance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· If a credit or refund is made, that it is sufficient to cover Clayton's calculated under-disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Payment Schedule Accuracy:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· When applicable, that the AIR and AP tables are consistent with Clayton's calculations.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Amount Financed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total of Payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total interest percentage

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Alphabetization of fees.

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Consistency between the Costs at Closing and Calculating Cash to Close tables, for which there is a version for transactions with
a seller and an optional, but not required, version for transactions without a seller. They should be consistent within and across disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Where amounts in a table reference that they are derived from another section of the form, that the amounts match the amount in the
section referenced.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Escrow amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed in the Loan Disclosures section.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· All required fields not specifically listed herein are completed or left blank in accordance with TRID rules; creditor information,
contact information, rate lock information, etc.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· That there is either a signature or a Loan Acceptance statement on the form.

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the APR increased or decreased outside of tolerance requiring a new waiting period and whether that waiting period was provided.
For APR decreases Clayton will look to whether the APR decreased due to a reduced finance charge, which will be considered to be within
tolerance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Post-close CD's to correct non-numerical clerical errors required within 60 days of consummation.

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Disclosure (can impact fee tolerances)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the LE in terms of whether fees are within the correct category and loan terms where we would need a Note to verify. More
detailed testing will occur by comparing the final CD to the Note terms.

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

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

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

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

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

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

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

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

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

---

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

---

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

Clayton tests 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:

---

| | | |
|:---|:---|:---|
| **State/Local High Cost** | **State/Local High Cost** | **State/Local High Cost** |
| &nbsp;&nbsp;Arkansas | &nbsp;&nbsp;Maine | &nbsp;&nbsp;Pennsylvania |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;Rhode Island, including the Providence ordinance |
| &nbsp;&nbsp;Colorado | &nbsp;&nbsp;Massachusetts | &nbsp;&nbsp;South Carolina |
| &nbsp;&nbsp;Connecticut | &nbsp;&nbsp;Nevada | &nbsp;&nbsp;Tennessee |

---

Verus 2025-7 Due Diligence Narrative Report Page \| 22 July 25, 2025

![](tm2521783d1_ex99-28img002.jpg)

---

| | | |
|:---|:---|:---|
| **State/Local High Cost** | **State/Local High Cost** | **State/Local High Cost** |
| &nbsp;&nbsp;District of Columbia | &nbsp;&nbsp;New Jersey | &nbsp;&nbsp;Texas |
| &nbsp;&nbsp;Florida | &nbsp;&nbsp;New Mexico | &nbsp;&nbsp;Utah |
| &nbsp;&nbsp;Georgia | &nbsp;&nbsp;New York | &nbsp;&nbsp; Vermont<br> (High Rate, High Point law) |
| &nbsp;&nbsp;Illinois, including the Cook County and Chicago ordinances | &nbsp;&nbsp;North Carolina | &nbsp;&nbsp;Wisconsin |
| &nbsp;&nbsp;Indiana | &nbsp;&nbsp; Ohio, including<br> Cleveland Heights ordinance |  |
| &nbsp;&nbsp;Kentucky | &nbsp;&nbsp;Oklahoma |  |

---

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota (Mortgage Originator and Service Licensing Act)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Puerto Rico (Office Regulation 5722)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Texas (Texas Finance Code)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

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

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

---

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

---

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

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

---

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

---

Verus 2025-7 Due Diligence Narrative Report Page \| 23 July 25, 2025

![](tm2521783d1_ex99-28img002.jpg)

---

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

---

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

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

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

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

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

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

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk.

Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2025 Clayton Services LLC. All rights reserved.

This material is confidential and may not be copied, used, or distributed without the written permission of Clayton Services LLC

Verus 2025-7 Due Diligence Narrative Report Page \| 24 July 25, 2025

## Exhibit 99.29

**EXHIBIT 99.29**

**clayton conditions report**

---

| | |
|:---|:---|
| Client Name: | Verus |
| Client Project Name: | Verus 2025-7 |
| Start - End Dates: | 2/28/2025 - 6/9/2025 |
| Deal Loan Count: | 39 |

---

**Conditions Report**

---

| | |
|:---|:---|
| ***Loans in Report:*** | *39* |
| ***Loans with Conditions:*** | *24* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Morningstar/DBRS Initial Securitization Compliance Loan Grade** | **Morningstar/DBRS Final Securitization Compliance Loan Grade** | **Initial Fitch Compliance Loan Grade** | **Final Fitch Compliance Loan Grade** | **Initial Moodys Overall Loan Grade** | **Final Moodys Overall Loan Grade** | **Initial Moodys Credit Loan Grade** | **Final Moodys Credit Loan Grade** | **Initial Moodys Property Valuations Loan Grade** | **Final Moodys Property Valuations Loan Grade** | **Initial Moodys Compliance Loan Grade** | **Final Moodys Compliance Loan Grade** | **Initial KBRA Compliance Loan Grade** | **Final KBRA Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **ConditionSub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 831137 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 5 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $99061.23, 92.09 months; 6 months reserves required. |
| 831150 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | D | A | D | A | C | A | N/A | N/A D C | N/A | N/A D C | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Missing verification that borrower xxxxxx is not on any watch list. | 4-8-25 Client uploaded fraud report participants list.4-15-25 Client uploaded fraud report participants list. 4-17-25 Client uploaded fraud report participants list. | 4-9-25 Clayton reviewed the fraud report participants list which does not have the borrowers name listed. Since Borrower is a foreign national - Please add borrowers name as other individual. Exception remains. 4-16-25 Clayton reviewed participants list uploaded 4-15-25 which does not have the borrower - xxxxxx listed. Please provide updated participants list with borrower listed. Exception remains.4-17-25 Clayton reviewed participants list. Exception satisfied. | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65% is below the maximum allowable of 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $84,416.15, 7.77 months; 6 months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 8 years. |
| 831150 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | D | A | D | A | C | A | N/A | N/A D C | N/A | N/A D C | N/A | N/A | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing verification of receipt of gift funds (Copy of gift check or wire to the closing agent) for 4-8-24 gift of $149,500, 7-12-24 gift of $149,500, and 12-18-23 gift of $149,500. | 4-8-24 Client uploaded xxxxxx account reflecting transfers to title company. 4-16-24 Client uploaded gift receipt. | 4-9-25 Clayton reviewed xxxxxx statement which is the borrower's account reflecting transfers to settlement agent which we already have. We are missing evidence of the receipt of 3 gifts in the amount of $149,500 each from xxxxxx (donor) coming from xxxxxx. Exception remains. 4-16-25 Client uploaded gift receipt 12-18-23 $149,9-27-23 $19,500, 9-18-23 $130,000, 4-8-24 $149,500. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65% is below the maximum allowable of 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $84,416.15, 7.77 months; 6 months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 8 years. |
| 831150 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | D | A | D | A | C | A | N/A | N/A D C | N/A | N/A D C | N/A | N/A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR2502 | Appraiser is currently on an exclusionary list | No | Fraud report indicates appraiser is not registered with the National Registry of Appraisers. Provide xxxxxx search. | 4-11-25 Client uploaded xxxxxx search. | 4-14-25 Clayton reviewed ASC search. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65% is below the maximum allowable of 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $84,416.15, 7.77 months; 6 months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 8 years. |
| 831979 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A | Credit | Income/Employment | Waived B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Guidelines (sec 1.8.3.1) require that all existing leases be provided on purchase or refinance transactions.Missing leases for 4 tenant occupied units. Clayton deems non-material/non-fatal to lending decision due to the following compensating factors: credit score 754/700 miniumum, 52.94% LTV/75% maximum, 22.18 months cash reserves/6 months required. | 04.28.2025 - Acknowledged by client. | 04.28.2025 - Noon-material exception remains. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 52.94% LTV < maximum permitted of 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets: $196,667.33 (22.18 months PITIA reserves) > 6 months minimum reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 754 is above the required 700. |
| 833781 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1817 | Final HUD-1 is incomplete or illegible | No | Missing signature on HUD-1 or evidence HUD-1 has been certified | 5-16-25 Client uploaded final HUD. | 5-16-25 Clayton reviewed final HUD. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $47173.45, 12.3 months reserves, 6 months required<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: DSCR: 1.7415 (Rent $6677 / Expenses $3834.05)<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Payment reduced $21.21/month or .55% |
| 833787 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 6 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 31.82% and maximum is 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $138,930.63, 43.16 months, no reserves required. |
| 834258 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV/HCLTV 53.89%, max allowed to 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median score used 749, minimum required 680 for max 75%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been in current residence for 8 years, 4 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower 1 has been in current position as S/E for 19 years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: No lates reporting on credit, 12 months with 0 lates required.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: No lates reporting for Subject 1st mortgage and none shown from mortgage statements on REO.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers use minimal use of credit at 17%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $83,367.11 post closing reserves, there are no reserves required. |
| 834469 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A | Credit | Terms/Guidelines | Waived B | CRDTER109 | Cash Out Amount Exceeds Guidelines | No | Cash out of $1,443.791.78 exceeds guidelines max of $1,000.000.00. | (No Data) | The file includes an exception approval dated 4/8/2025. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $1,443,971.78 or 126.11 months reserves. Program requires 6 months.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: No Delinquencies in Mortgage History detailed housing history e.i 0x30x24 |
| 834513 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing Final loan approval/underwriting form. | 3.11.25 please find the final loan approval3.12.25 exception satisfied | 3.12.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets from cash to borrower at closing = $299,956.93.Reserves 6 months $63,674.70<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 34.37% below 55% requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 743 exceeds720 requirement<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences |
| 834550 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | D | B | D | B | A | A | A | A D B | A | A D B | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1. | 4.1.25 No HUD was received - please resubmit trailing doc / HUD again. 4.2.25 HUD rcvd | 4.2.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 38 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $42,743.90 reserves in file; 14.16 months PITIA. Required reserves $3,017.87 x 6 = $18,107.22. |
| 834550 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | D | B | D | B | A | A | A | A D B | A | A D B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | LTV of 71.40% is greater than the maximum 70% LTV allowed with credit score less than 680. | 04.18.2025 - Acknowledged by client. | 04.18.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 38 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $42,743.90 reserves in file; 14.16 months PITIA. Required reserves $3,017.87 x 6 = $18,107.22. |
| 834561 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1. | 3.24.25 please find the final SS for review.3.24.25 exception satisfied | 3.24.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 10 years at the primary residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 765 credit score; 620 minimum required score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $100,492.17 post close reserves, 35.10 months PITI; 0 required reserves |
| 834563 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | B | B | A | A | B | B | N/A | N/A B | N/A | N/A B | N/A | N/A | Property Valuations | Property | Waived B | PRVAPROP177 | Property Issues Indicated | No | Guidelines allow for up to 10 acres, subject xxxxxx acres. Lender Exception in file. Clayton deems this non-material due to the following compensating LTV 57.14%, credit score 663, 9 years at current residence. | 04.18.2025 - Acknowledged by client. | 04.18.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 125+ Months reporting<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is below Guidelines |
| 834570 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Missing Final HUD-1 | 3.19.25 Final settlement statement has been provided,3.19.25 exception satisfied | 3.19.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $243,818.92 / $2,401.68 (PITI) = 101.52 Months Reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 39+ Months Mortgage History reporting<br>CFCFS2860: Good credit history<br> - Clayton Comments: Demonstrates Good Credit History |
| 834585 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | A | A C | A | A | C | A | A | A | C | A | A | A C | A | A C | A | A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR169 | Appraisal includes one or more issue(s) | No | Effective date of Appraisal in file is xxxxxx. | 3.6.25 please find the final corrected appraisal.3.6.25 exception satisfied | 3.6.25 exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0x30 on the primary residence mortgage account for the past 5 years reviewed.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower is 0x30 on all consumer accounts for the past 7 years reviewed. |
| 834590 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 3.12.2025 Client responded - please find the final SS3.12.2025 Client provided the Final HUD SS. Exception satisfied | 3.12.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 802 qual score; min 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 41mo. 0X30 mortgage payment history; 0x30x12 required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $79,671.61 reserves; $3724.96\*6= $22,349.76 reserves required. |
| 834598 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final signed HUD-1. | 4.1.25 Final settlement statement has been provided,4.1.25 exception satisfied | 4.1.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $14,988.88, or 2.93 months. Reserves not required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 52.09% is below guideline maximum of 75% for a DSCR cash out refinance with a 714 credit score.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: In residence 24 years. |
| 834600 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1. | 3.21.25 Final settlement statement has been provided, 3.21.25 exception satisfied | 3.21.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Post close reserves are $159,465.06, or 74.11 months. Reserves not required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 30.18% is below guideline maximum of 80% for a DSCR purchase with a 751 credit score.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has never been 1X30 with a history from 12/2016. |
| 834620 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR865 | Missing proof of flood insurance in File | No | Missing flood insurance | 3.25.25 Flood policy has been provided,3.25.25 exception satisfied | 3.25.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 736 credit score; 620 minimum required score<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 51.40% LTV; 70% maximum LTV<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $201,644.06 post close reserves, 49.62 months PITI; 0 required reserves |
| 834620 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 3.25.25 Final settlement statement has been provided,3.25.25 exception satisfied | 3.25.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 736 credit score; 620 minimum required score<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 51.40% LTV; 70% maximum LTV<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $201,644.06 post close reserves, 49.62 months PITI; 0 required reserves |
| 834626 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing 12 months payment history for previous mortgages paid off with refinance xxxxxx and current mortgage with xxxxxx. HUD-1 statement supports 2 mortgages were paid off: xxxxxx and xxxxxx Current mortgage payments were to start xxxxxx. | 04.18.2025 - Acknowledged by client. | 04.18.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score of 704 exceeds the minimum of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 46.73% is below the maximum of 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Back $62862.54, 8.75 months reserves, 0 months required<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Payment reduced $1778.83 or 19.84% |
| 834627 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $160,321.31 post close reserves, 66.13 months PITIA; 0 required reserves<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned the primary residence 60 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 641 credit score; 620 minimum required score |
| 834631 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 777, min is 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Loan to value is 62.96%, max is 80%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 11 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Both borrowers have good credit history. |
| 834637 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1 | 3.31.25 Final settlement statement has been uploaded,4.1.25 exception satisfied | 4.1.25 exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 201+ Months reporting positive<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $194,483.91 / $1,806.03 (PITI) = 107.69 Months Reserves<br>CFCFS2860: Good credit history<br> - Clayton Comments: Demonstrates Good Credit History |
| 834665 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 5 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% LTV below guideline requirements of 75% per program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $27,279.39 , 11.69 months; 6 months required |
| 834666 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | B | A | B | A | A | A | A | A B | A | A B | A | A | Credit | LTV/CLTV | Satisfied B A | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV is 65%, xxxxxx Max LTV is 60%., LTV exceeds guidelines by 5%.DSCR calculation: market rents per 1007 $3,900/PITIA $4,877.83 = 0.7995. Lender DSCR calculated with rents at $6,326 per approval, however no supporting documentation in file. Clayton deems non-material/non-fatal to lending decision due to 105.34 months reserves/6 months required and property ownership since 2019. | 05.19.2025 - Acknowledged by client.5-23-25 Client uploaded STR analysis. | 05.19.2025 - Non-material exception remain.5-23-25 Clayton reviewed STR analysis and updated DSCR calculation and maximum LTV to 65%. Exception is now satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has resided at current residence for 19 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $513,806.13, 105.34 months; 6 month reserves are required. |
| 835240 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 4 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $17,975.92, 15.82 months; 6 months required. |
| 835285 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | C A | C | C | C | C | A | A | A | A | C | C A | C | C A | C | C | Compliance | TILA/RESPA Integrated Disclosure | Waived C | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing. | Yes | Product on CD xxxxxx is 30 yr fixed. Product changed to 30 yr fixed with a 10 yr IO period with CD xxxxxx. Product Feature was not disclosed at least 3 business days prior to closing. xxxxxx | 4.10.25-Client inquiry via email. The change of product within 3 business days of closing is a timing issue and is not curable. If the program change was disclosed to the borrower and proof of such is present at least 3 business days prior to closing, we can submit for a second review.6.3.25 Subject closed xxxxxx - within 1 year requirement for statue of limitation for this compliance finding. | 6.3.25 Acknowledged by client. Updated to waived. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years living at primary residence.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 371 months of 0x30 consumer credit history per CBR.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 789 qualifying credit score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 302 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 27.89 months of reserves in file.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV per review; 90% LTV is maximum allowed per guidelines. |
| 835677 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | A | A C | A | A | C | A | C | A | A | A | A | A C | A | A C | A | A | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Missing asset documentation to support 6 months reserves. 1031 Exchange funds not eligible. | Received addtl assets for reserves | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 48.43% LTV, Program allows 75%. |
| 835996 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | D | B | D | B | A | A | N/A | N/A D B | N/A | N/A D B | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | Provide application with residency status completed. | 5-15-25 Client uploaded 1003. | 5-16-25 Clayton reviewed 1003. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 799 is above the required 720 due to state overlays.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 5.70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $77,282.79, 8.9 months. 6 months required. |
| 835996 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | D | B | D | B | A | A | N/A | N/A D B | N/A | N/A D B | N/A | N/A | Credit | Income/Employment | Waived B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing lease for xxxxxx at $3200. Clayton deems non-material/non-fatal due to Credit score of 799/720 minimum, 8.9 months cash reserves/6 months required and minimal credit usage score of 5.70%. | 05.19.2025 - Acknowledged by client. | 05.19.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 799 is above the required 720 due to state overlays.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 5.70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $77,282.79, 8.9 months. 6 months required. |
| 836503 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $134,160.05, 17.05 months. 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 754 is above the required 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below the maximum allowable of 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 25.48% is below the maximum allowable 50%. |
| 837209 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | D | B | A | A | B | B | D | B D A | D | B D A | D | B | Compliance | xxxxxx Home Equity | Satisfied D B | CMPTXHE117 | xxxxxx Equity - Missing Affidavit of Fair Market Value | No | Missing Affidavit of Fair Market Value | 5.2.25-Client provided Appraisal Acknowledgement. Provide Affidavit of FMV Status (pursuant to section 50 (A), Article XVI of the xxxxxx Constitution.) Which must include signature by all parties (Lender & Borrower) and must state the fair market value of the subject.5.5.25-Client provided FMV Affidavit executed by all parties, reflecting FMV. Satisfied. | 5.5.25- Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 809 exceeds the minimum of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 31.58% is below the maximum of 70%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 17.32% is below the maximum of 50%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Back $2,972,327.48, 84.62 months reserves, 12 months required |
| 837209 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | D | B | A | A | B | B | D | B D A | D | B D A | D | B | Property Valuations | Property | Waived B | PRVAPROP177 | Property Issues Indicated | No | Exception granted due to title issue. Title evidences encroachments that only appear on the Owner's policy and not the Lender's policy. Clayton deems non-material/non-fatal to lending decision due to the following compensating factors: credit score 809/680 minimum, 31.58% LTV/70% maximum allowed and DTI 17.32%/50% maximum. All encroachments are only reflected on the owners policy and are common and if necessary, homeowner could have corrected. Property was built in xxxxxx in an established PUD, and borrowers have owned property for 2 years and it does not appear these are new additions to the property. Encroachments include a xxxxxx Per the title company these encroachments are only applicable to the owners, it does not impact a lender because the lender is covered and insured. | 5-12-25 Acknowledged by client. | 5-12-25 Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 809 exceeds the minimum of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 31.58% is below the maximum of 70%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 17.32% is below the maximum of 50%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Back $2,972,327.48, 84.62 months reserves, 12 months required |
| 837298 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 mid-score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 97.87 months of reserves in file.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 years living at primary residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 65% LTV per review; 75% LTV is maximum allowed per guidelines. |
| 837310 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 738 mid-score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 6.18 months of reserves in file.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 consumer lates past 36 months per CBR. |
| 837317 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 44.03%. G/l max is 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $34,417.44 or 13.24 months piti reserves, 6 months required. |
| 837318 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 67.34% LTV below guideline requirements of 75% per program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 10 years. |
| 837321 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 77% is below the maximum of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 708 exceeds the minimum of 680<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 19 years residing in subject property<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 99 months reviewed for primary residence mtg exceeds the 12 months required<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Back $254529.12, 96.38 months reserves, 6 months required<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 20.24% is below the maximum of 50% |
| 837352 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 735 is 55 points above the 680 FICO required for the program.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 6 years 4 months at current job.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 30.13% is 19.87% below the 50% allowed for the program.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 68.55% is 11.45% below the 80% CLTV allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 34 months PITIA vs 0 months reserves required. |
| 837644 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A | Credit | Assets | Satisfied D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | xxxxxx statements for accounts ending #1177 and 8698 in file are not legible. | 6/11/2025 Client provided legible bank statements for both accounts. | 9/11/2025 Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI > 10 points below guideline maximum<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 20 years in profession<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 19 years at current residence |
| 839641 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | C | B | A | A | A | A | C | B C A | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | Recording fee increased from $90.00 to $100.00 without a change of circumstance resulting in $1.00 over tolerance. | 5.28.25-Client provided PCCD issued xxxxxx. Satisfied. | 5.28.25-Satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has a credit line usage ratio of 4.44%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $348,764.16 reserves in file; 132.78 months PITIA. Required reserves $2,626.56 x 6 = $15,759.36.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 9 years 7 months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 812 is 152 points above the 660 FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 28.36% is 14.64% below the 43% allowed for the program.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 40% is 40% below the 80% LTV allowed for the program. |
| 839643 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 7 years 8 months at current residence.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has a credit line usage ratio of 13.42%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 11 months PITIA is 8 months greater than the 3 months reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has 6 years 7 months at current job.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 41.91% is 8.09% below the 50% allowed for the program. |
| 840246 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | B | B | A | A | B | B | A | A B | A | A B | A | A | Property Valuations | Property | Waived B | PRVAPROP177 | Property Issues Indicated | No | Does not meet condominium project requirements regarding budgeting for reserves; project is not fully funding reserves, current funding level is 5.53%. Clayton considers this non material as co-borrower has excellent credit history with score of 736 and no late payments on mortgages. DTI 17.92% | 06.16.2025 - Acknowledged by client. | 06.16.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Co borrower has been at current residence for 10 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 736 and minimum is 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $32,559.73, 6.71 months, no reserves required. |

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## Exhibit 99.30

**EXHIBIT 99.30**

**clayton loan level tape compare upload**

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| | |
|:---|:---|
| **Client Name:** | Verus |
| **Client Project Name:** | Verus 2025-7 |
| **Start - End Dates:** | 2/28/2025 - 6/9/2025 |
| **Deal Loan Count:** | 39 |

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**Loan Level Tape Compare Upload**

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| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 831150 | (No Data) | Cash Reserves | 130695.37 | 84416.15 |
| 831150 | (No Data) | Combined LTV | 58.89 | 65.00 |
| 831150 | (No Data) | Months Reserves | 10.00 | 7.77 |
| 831150 | (No Data) | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 831150 | (No Data) | Total Cash Out | 17645.31 | 0.00 |
| 831979 | xxxxxx | Borrower DSCR Percent | 1.5155 | 1.3358 |
| 831979 | xxxxxx | Cash Reserves | 724865.89 | 196667.33 |
| 831979 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 831979 | xxxxxx | Months Reserves | 82.00 | 22.18 |
| 831979 | xxxxxx | Total Cash Out | (40.87) | 0.00 |
| 833781 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 833781 | xxxxxx | Property Type | SFR | Detached PUD |
| 833787 | xxxxxx | Cash Reserves | 737649.48 | 138930.63 |
| 833787 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 833787 | xxxxxx | Months Reserves | 43.00 | 43.16 |
| 833787 | xxxxxx | Total Cash Out | (1052.46) | 0.00 |
| 834258 | xxxxxx | Borrower 1 Total Income | 10334.65 | 14213.16 |
| 834258 | xxxxxx | Cash Reserves | 297020.70 | 83903.06 |
| 834258 | xxxxxx | Combined LTV | 14.97 | 53.76 |
| 834258 | xxxxxx | Total Cash Out | 84176.09 | 104190.51 |
| 834258 | xxxxxx | Total Monthly Income | 15898.83 | 19842.04 |
| 834469 | xxxxxx | Documentation Type | No Doc | DSCR |
| 834513 | xxxxxx | Total Cash Out | 1388010.91 | 299956.93 |
| 834550 | xxxxxx | Total Cash Out | 40818.79 | 42743.90 |
| 834561 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 834561 | xxxxxx | Total Cash Out | 100789.15 | 100977.08 |
| 834570 | (No Data) | Total Cash Out | 243818.93 | 243818.92 |
| 834585 | xxxxxx | Cash Reserves | 440000.00 | 0.00 |
| 834585 | xxxxxx | Months Reserves | 69.00 | 0.00 |
| 834590 | xxxxxx | Cash Reserves | 62253.10 | 82340.04 |
| 834590 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 834590 | xxxxxx | Months Reserves | 16.00 | 22.10 |
| 834590 | xxxxxx | Original Appraised Value | xxxxxx | xxxxxx |
| 834598 | xxxxxx | Cash Reserves | 14988.88 | 30736.98 |
| 834598 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 834598 | xxxxxx | Months Reserves | 2.00 | 6.01 |
| 834598 | xxxxxx | Total Cash Out | 199259.35 | 214997.45 |
| 834600 | xxxxxx | Cash Reserves | 172224.88 | 159465.06 |
| 834600 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 834600 | xxxxxx | Months Reserves | 80.00 | 74.11 |
| 834620 | xxxxxx | Total Cash Out | 201404.06 | 201644.06 |
| 834626 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 834626 | xxxxxx | Total Cash Out | 62325.59 | 62862.54 |
| 834631 | xxxxxx | Borrower DSCR Percent | 1.6600 | 1.981 |
| 834631 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 834637 | (No Data) | Total Cash Out | 193560.01 | 194483.91 |
| 834665 | xxxxxx | Cash Reserves | 84183.73 | 27279.39 |
| 834665 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 834665 | xxxxxx | Months Reserves | 2.00 | 11.69 |
| 834665 | xxxxxx | Property Type | Detached PUD | Attached PUD |
| 834665 | xxxxxx | Total Cash Out | 124904.74 | 0.00 |
| 834666 | xxxxxx | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 835240 | (No Data) | Cash Reserves | 64305.00 | 17975.92 |
| 835240 | (No Data) | Months Reserves | 16.00 | 15.82 |
| 835240 | (No Data) | Total Cash Out | 46065.80 | 0.00 |
| 835285 | xxxxxx | Cash Reserves | 99744.77 | 172868.54 |
| 835285 | xxxxxx | Combined LTV | 74.58 | 80.00 |
| 835285 | xxxxxx | Debt to Income Ratio (Back) | 37.4300 | 32.3049 |
| 835285 | xxxxxx | Months Reserves | 27.00 | 27.89 |
| 835285 | xxxxxx | Total Cash Out | 237946.21 | 0.00 |
| 835677 | xxxxxx | Documentation Type | No Doc | DSCR |
| 835996 | (No Data) | Cash Reserves | 481879.98 | 77282.79 |
| 835996 | (No Data) | Combined LTV | 66.40 | 70.00 |
| 835996 | (No Data) | Months Reserves | 9.00 | 8.90 |
| 835996 | (No Data) | Next Payment Change Date | xxxxxx | xxxxxx |
| 835996 | (No Data) | Original Appraisal Date | 04/01/2025 | 03/05/2025 |
| 835996 | (No Data) | Original Appraised Value | xxxxxx | xxxxxx |
| 835996 | (No Data) | Product Type | 7/1 ARM | 7/6 ARM |
| 835996 | (No Data) | Property Type | 3 Family | Mixed Use |
| 835996 | (No Data) | Total Cash Out | 404597.19 | 0.00 |
| 836503 | xxxxxx | Cash Reserves | 346172.86 | 134160.05 |
| 836503 | xxxxxx | Credit Report Date | 02/27/2025 | 03/05/2025 |
| 836503 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 836503 | xxxxxx | Months Reserves | 17.00 | 17.05 |
| 836503 | xxxxxx | Total Cash Out | 211535.05 | 0.00 |
| 837209 | xxxxxx | Borrower 1 Total Income | 405796.21 | 417022.59 |
| 837209 | xxxxxx | Original Appraisal Date | 03/31/2025 | 03/28/2025 |
| 837209 | xxxxxx | Original Appraised Value | xxxxxx | xxxxxx |
| 837209 | xxxxxx | Total Monthly Income | 405796.21 | 417022.59 |
| 837298 | (No Data) | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 837317 | (No Data) | Cash Reserves | 275391.21 | 34417.44 |
| 837317 | (No Data) | Months Reserves | 9.00 | 13.24 |
| 837317 | (No Data) | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 837317 | (No Data) | Total Cash Out | 251123.44 | 0.00 |
| 837318 | xxxxxx | Cash Reserves | 44700.15 | 30039.87 |
| 837318 | xxxxxx | Combined LTV | 67.34 | 70.00 |
| 837318 | xxxxxx | Months Reserves | 6.00 | 6.26 |
| 837318 | xxxxxx | Total Cash Out | (9495.63) | 0.00 |
| 837321 | xxxxxx | Total Cash Out | 254529.12 | 263558.32 |
| 837352 | xxxxxx | Combined LTV | 15.91 | 68.55 |
| 837644 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 839641 | xxxxxx | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 839643 | xxxxxx | Cash Reserves | 173047.74 | 47580.54 |
| 839643 | xxxxxx | Months Reserves | 11.00 | 11.03 |
| 839643 | xxxxxx | Property Type | Low Rise Condo (1-4) | Condotel |
| 839643 | xxxxxx | Total Cash Out | (9.50) | 0.00 |
| 840246 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 840246 | xxxxxx | Total Cash Out | (2034.95) | 0.00 |
| 840246 | xxxxxx | Total Monthly Income | 59915.23 | 60163.34 |

---

©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.31

**EXHIBIT 99.31**

**clayton non atr qm upload**

---

| | |
|:---|:---|
| **Client Name:** | **Verus** |
| **Client Project Name:** | **Verus 2025-7** |
| **Start - End Dates:** | **2/28/2025 - 6/9/2025** |
| **Deal Loan Count:** | **39** |

---

**Non ATR QM Upload**

*Loans in Report:* *39* 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 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 |
| **Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **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** | **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** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 3 Guarantor Flag** | **Borrower 4 Guarantor Flag** | **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 Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **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** | **Is the Loan a Short-Term Rental?** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **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** |
| 831137 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1075.71 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1250.00 | No | (No Data) | 1.16 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 831150 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -10867.71 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 14800.00 | No | (No Data) | 1.36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 831979 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 5+ Units | 6 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.6250 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8866.34 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 11844.00 | No | (No Data) | 1.34 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 833781 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (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 | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3834.05 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 6677.00 | No | (No Data) | 1.74 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 833787 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (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 | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3219.23 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4600.00 | No | (No Data) | 1.43 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 834258 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (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 | 2 | 8.3974 | Yes | Yes | 3.358 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.63 | 41.12 | 40.63 | 41.12 | 41.12 | 41.12 | Yes | Yes | Yes | 11683.82 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 16 | No | (No Data) | No | (No Data) | Yes | 15 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> CPA Letter - 1 months;<br> P & L - 15 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 16 months; | (No Data) | (No Data) |
| 834469 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2338 | No | No | 6.233 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -11450.46 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | No | (No Data) | Yes | 12437.21 | 1.09 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 834513 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | Yes | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.8849 | Yes | Yes | 1.464 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 25.83 | 25.84 | 25.83 | 24.53 | 24.53 | 25.1 | No | No | (No Data) | 57675.84 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 834550 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9991 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3017.87 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 0.83 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 834561 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9990 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2862.99 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2900.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 834563 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6251 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1682.08 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1700.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 834570 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2401.68 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2495.00 | No | (No Data) | 1.04 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 834585 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6294.99 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 7000.00 | No | (No Data) | 1.11 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 834590 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (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% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3724.96 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4220.00 | No | (No Data) | 1.13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 834598 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5113.68 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 6100.00 | No | (No Data) | 1.19 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 834600 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (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 | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2151.81 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2600.00 | No | (No Data) | 1.21 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 834620 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4064.1 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5550.00 | No | (No Data) | 1.37 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 834626 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7188.27 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 10495.00 | No | (No Data) | 1.46 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 834627 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2424.41 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3700.00 | No | (No Data) | 1.53 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 834631 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2499 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4745.04 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 9400.00 | No | (No Data) | 1.98 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 834637 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1806.03 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3700.00 | No | (No Data) | 2.05 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 834665 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2333.48 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.07 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 834666 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4877.83 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 6326.00 | No | (No Data) | 1.30 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 835240 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | 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 | 8.0001 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1136.57 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | No | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1950.00 | No | (No Data) | 1.72 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 835285 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1698 | Yes | Yes | 1.761 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 37.43 | 37.43 | 34.49 | 32.3 | 32.3 | 37.43 | No | No | (No Data) | 22322.79 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months;<br> Paystub - 2 months;<br> W2 - 24 months; | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) |
| 835677 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -12087.15 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 12500 | No | (No Data) | 1.03 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 835996 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Mixed Use | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.9907 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8687.17 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 9187.00 | No | (No Data) | 1.06 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 836503 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8470 | Yes | Yes | 0.323 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 26.24 | 25.48 | 26.24 | 25.48 | 25.48 | 25.48 | No | No | (No Data) | 57179.78 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 36 months; | (No Data) | (No Data) | (No Data) |
| 837209 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9139 | Yes | Yes | 0.368 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 17.56 | 17.32 | 17.56 | 17.32 | 17.32 | 17.32 | No | No | (No Data) | 344807.52 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months; | (No Data) | (No Data) | (No Data) |
| 837298 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -10665 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 10800.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 837310 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.8367 | No | No | 2.636 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.25 | 44.25 | 44.25 | 44.25 | 44.25 | 44.25 | No | No | (No Data) | 10916.65 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 60 months;<br> P & L - 12 months; | (No Data) | (No Data) | (No Data) |
| 837317 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2599.95 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2600.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 837318 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4798.15 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4800.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 837321 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.8249 | Yes | Yes | 2.811 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 20.24 | 20.24 | 20.24 | 20.24 | 20.24 | 20.24 | No | No | (No Data) | 12263.18 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 12 months; | (No Data) | (No Data) | (No Data) |
| 837352 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (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 | 2 | 8.9758 | Yes | Yes | 0.585 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 30.13 | 30.13 | 30.13 | 30.13 | 30.13 | 30.13 | No | No | (No Data) | 15192.35 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 60 months; | (No Data) | (No Data) | (No Data) |
| 837644 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 4% of Amt Prepd if amt prepd in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 8.2500 | 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) | 0 | 33.55 | 0 | 33.55 | 33.55 | 33.55 | (No Data) | (No Data) | (No Data) | 8218.68 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 16 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> P & L - 16 months; | (No Data) | (No Data) | (No Data) |
| 839641 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.7307 | Yes | Yes | 2.732 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 28.48 | 28.36 | 28.48 | 28.36 | 28.36 | 28.36 | No | No | (No Data) | 6698.69 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 4 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – W2(s) - 36 months;<br> P & L - 4 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 839643 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Second Home | Condotel | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.5085 | Yes | Yes | 3.305 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.99 | 41.91 | 41.99 | 41.91 | 41.91 | 41.91 | No | No | (No Data) | 19060.72 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Award Letter - 12 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 840246 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.2057 | Yes | Yes | 1.601 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 15.02 | 17.92 | 15.02 | 17.92 | 17.92 | 17.92 | No | No | (No Data) | 49383.68 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) |

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## Exhibit 99.32

**EXHIBIT 99.32**

**clayton rating agency grades report**

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| | |
|:---|:---|
| **Client Name:** | **Verus** |
| **Client Project Name:** | **Verus 2025-7** |
| **Start - End Dates:** | **2/28/2025 - 6/9/2025** |
| **Deal Loan Count:** | **39** |

---

**Rating Agency Grades**

---

| | |
|:---|:---|
| ***Loans in Report:*** | 39 |

---

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Morningstar/DBRS Initial Securitization Loan Compliance Grade** | **Morningstar/DBRS Final Securitization Loan Compliance Grade** | **Initial Fitch Loan Compliance Grade** | **Final Fitch Loan Compliance Grade** | **Initial Moodys Overall Loan Grade** | **Final Moodys Overall Loan Grade** | **Initial Moodys Credit Loan Grade** | **Final Moodys Credit Loan Grade** | **Initial Moodys Property Valuations Loan Grade** | **Final Moodys Loan Property Valuations Grade** | **Initial Moodys Loan Compliance Grade** | **Final Moodys Loan Compliance Grade** | **Initial KBRA Loan Compliance Grade** | **Final KBRA Loan Compliance Grade** | **Initial S&P Loan Compliance Grade** | **Final S&P Loan Compliance Grade** |
| 831137 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 831150 | No | xxxxxx | xxxxxx D A C | N/A | N/A D C | N/A | N/A | D | A | D | A | C | A | N/A | N/A D C | N/A | N/A D C | N/A | N/A |
| 831979 | No | xxxxxx | xxxxxx B A | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A |
| 833781 | No | xxxxxx | xxxxxx D A | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A |
| 833787 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 834258 | Yes | xxxxxx | xxxxxx A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | A | A | A | A |
| 834469 | No | xxxxxx | xxxxxx B A | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A |
| 834513 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A |
| 834550 | No | xxxxxx | xxxxxx D B A | A | A D B | A | A | D | B | D | B | A | A | A | A D B | A | A D B | A | A |
| 834561 | No | xxxxxx | xxxxxx D A | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A |
| 834563 | No | xxxxxx | xxxxxx B A | N/A | N/A B | N/A | N/A | B | B | A | A | B | B | N/A | N/A B | N/A | N/A B | N/A | N/A |
| 834570 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 834585 | No | xxxxxx | xxxxxx C A | A | A C | A | A | C | A | A | A | C | A | A | A C | A | A C | A | A |
| 834590 | No | xxxxxx | xxxxxx D A | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A |
| 834598 | No | xxxxxx | xxxxxx D A | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A |
| 834600 | No | xxxxxx | xxxxxx D A | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A |
| 834620 | No | xxxxxx | xxxxxx D A | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A |
| 834626 | No | xxxxxx | xxxxxx B A | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A |
| 834627 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 834631 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 834637 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 834665 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 834666 | No | xxxxxx | xxxxxx B A | A | A B | A | A | B | A | B | A | A | A | A | A B | A | A B | A | A |
| 835240 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 835285 | Yes | xxxxxx | xxxxxx C A | C | C A | C | C | C | C | A | A | A | A | C | C A | C | C A | C | C |
| 835677 | No | xxxxxx | xxxxxx C A | A | A C | A | A | C | A | C | A | A | A | A | A C | A | A C | A | A |
| 835996 | No | xxxxxx | xxxxxx D B A | N/A | N/A D B | N/A | N/A | D | B | D | B | A | A | N/A | N/A D B | N/A | N/A D B | N/A | N/A |
| 836503 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 837209 | Yes | xxxxxx | xxxxxx D B A | D | B D A | D | B | D | B | A | A | B | B | D | B D A | D | B D A | D | B |
| 837298 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 837310 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 837317 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 837318 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 837321 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 837352 | Yes | xxxxxx | xxxxxx A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | A | A | A | A |
| 837644 | No | xxxxxx | xxxxxx D A | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A |
| 839641 | Yes | xxxxxx | xxxxxx C B A | C | B C A | C | B | C | B | A | A | A | A | C | B C A | C | B C A | C | B |
| 839643 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 840246 | Yes | xxxxxx | xxxxxx B A | A | A B | A | A | B | B | A | A | B | B | A | A B | A | A B | A | A |

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## Exhibit 99.33

**EXHIBIT 99.33**

**clayton valuations summary**

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| | |
|:---|:---|
| **Client Name:** | Verus |
| **Client Project Name:** | Verus 2025-7 |
| **Start - End Dates:** | 2/28/2025 - 6/9/2025 |
| **Deal Loan Count:** | 39 |

---

**Clayton Valuations Summary**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| *Loans in Report:* | *Loans in Report:* | *39* |  | **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** | **Desk Review** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **AUS Infomation** |
| **Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **Review Date** | **Review Value** | **Variance Amount** | **Variance (%)** | **Review Type** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **Confidence Score** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU Score** |
| 831137 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 11/21/2024 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| 831150 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1073 Condo (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 02/06/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.8 |
| 831979 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Other |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | Other | 03/20/2025 | xxxxxx | xxxxxx | 3.45% | (No Data) |
| 833781 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/15/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |
| 833787 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/17/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 834258 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 04/02/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.2 |
| 834469 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 04/02/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 834513 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 02/05/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 834550 | xxxxxx | $0.00 | 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% | 1.2 |
| 834561 | xxxxxx | $0.00 | 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% | 1 |
| 834563 | 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% | 1.4 |
| 834570 | xxxxxx | $0.00 | 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% | 1 |
| 834585 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 01/27/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 834590 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 02/06/2025 | xxxxxx | xxxxxx | -10.43% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 834598 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 02/26/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 834600 | 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% | 1 |
| 834620 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/11/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 834626 | xxxxxx | $0.00 | 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% | 2.2 |
| 834627 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 02/26/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 834631 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/10/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 834637 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/03/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.7 |
| 834665 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/11/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 834666 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/17/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 835240 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/25/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 835285 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 02/24/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 835677 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/25/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 835996 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Other |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | xxxxxx | 3/17/2025 | xxxxxx | $0.00 | 0.00% | (No Data) |
| 836503 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 04/10/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |
| 837209 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) | 03/31/2025 | xxxxxx | xxxxxx | -5.00% | Full Appraisal |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 837298 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 04/04/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 837310 | xxxxxx | $0.00 | 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% | 2.5 |
| 837317 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 04/21/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 837318 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 04/11/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| 837321 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  | xxxxxx | 04/29/2025 | xxxxxx | xxxxxx | -8.42% | Clear Capital | 90 |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.7 |
| 837352 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  | xxxxxx | 05/02/2025 | xxxxxx | xxxxxx | -4.59% | Clear Capital | 92 |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 837644 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 05/29/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 839641 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1073 Condo (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 04/30/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 839643 | 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% | 2 |
| 840246 | 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% | 2.5 |

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